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$11,078
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,422
−HK$351/mo
Today · 4.125%
HK$11,773
baseline
▲ 0.50% · 4.625%
HK$12,489
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,546/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,324
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,655
−HK$335/mo
Today · 4.125%
HK$12,990
baseline
▲ 0.50% · 4.625%
HK$13,675
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,980/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,293
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,707
−HK$420/mo
Today · 4.125%
HK$14,127
baseline
▲ 0.50% · 4.625%
HK$14,987
+HK$860/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,254/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,789
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,185
−HK$403/mo
Today · 4.125%
HK$15,588
baseline
▲ 0.50% · 4.625%
HK$16,410
+HK$822/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,176/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,509
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,991
−HK$491/mo
Today · 4.125%
HK$16,482
baseline
▲ 0.50% · 4.625%
HK$17,484
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,964/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,254
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,716
−HK$470/mo
Today · 4.125%
HK$18,186
baseline
▲ 0.50% · 4.625%
HK$19,144
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,372/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,940
−HK$1,251/mo
▼ 0.25% · 3.875%
HK$20,560
−HK$631/mo
Today · 4.125%
HK$21,191
baseline
▲ 0.50% · 4.625%
HK$22,480
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,382/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,183
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,778
−HK$604/mo
Today · 4.125%
HK$23,382
baseline
▲ 0.50% · 4.625%
HK$24,614
+HK$1,232/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,764/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,319 · 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).