The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,045
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,389
−HK$349/mo
Today · 4.125%
HK$11,738
baseline
▲ 0.50% · 4.625%
HK$12,452
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,476/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,288
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,617
−HK$335/mo
Today · 4.125%
HK$12,952
baseline
▲ 0.50% · 4.625%
HK$13,634
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,904/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,254
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,667
−HK$418/mo
Today · 4.125%
HK$14,085
baseline
▲ 0.50% · 4.625%
HK$14,942
+HK$857/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,170/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,745
−HK$797/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$401/mo
Today · 4.125%
HK$15,542
baseline
▲ 0.50% · 4.625%
HK$16,361
+HK$819/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,084/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,463
−HK$970/mo
▼ 0.25% · 3.875%
HK$15,944
−HK$489/mo
Today · 4.125%
HK$16,433
baseline
▲ 0.50% · 4.625%
HK$17,433
+HK$1,000/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,866/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,203
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,664
−HK$468/mo
Today · 4.125%
HK$18,132
baseline
▲ 0.50% · 4.625%
HK$19,088
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,264/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,881
−HK$1,247/mo
▼ 0.25% · 3.875%
HK$20,500
−HK$628/mo
Today · 4.125%
HK$21,128
baseline
▲ 0.50% · 4.625%
HK$22,414
+HK$1,286/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,256/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,118
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$22,711
−HK$602/mo
Today · 4.125%
HK$23,313
baseline
▲ 0.50% · 4.625%
HK$24,542
+HK$1,229/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,626/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,884 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).