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$11,080
−HK$695/mo
▼ 0.25% · 3.875%
HK$11,425
−HK$350/mo
Today · 4.125%
HK$11,775
baseline
▲ 0.50% · 4.625%
HK$12,491
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,550/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,326
−HK$666/mo
▼ 0.25% · 3.875%
HK$12,657
−HK$335/mo
Today · 4.125%
HK$12,992
baseline
▲ 0.50% · 4.625%
HK$13,677
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,984/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,296
−HK$834/mo
▼ 0.25% · 3.875%
HK$13,709
−HK$421/mo
Today · 4.125%
HK$14,130
baseline
▲ 0.50% · 4.625%
HK$14,989
+HK$859/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$28,260/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,791
−HK$800/mo
▼ 0.25% · 3.875%
HK$15,188
−HK$403/mo
Today · 4.125%
HK$15,591
baseline
▲ 0.50% · 4.625%
HK$16,412
+HK$821/mo
Deposit HK$1.94M · loan HK$2.92M · min. income ≈ HK$31,182/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,512
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,994
−HK$491/mo
Today · 4.125%
HK$16,485
baseline
▲ 0.50% · 4.625%
HK$17,488
+HK$1,003/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,970/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,257
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,720
−HK$469/mo
Today · 4.125%
HK$18,189
baseline
▲ 0.50% · 4.625%
HK$19,148
+HK$959/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,378/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,944
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,564
−HK$630/mo
Today · 4.125%
HK$21,194
baseline
▲ 0.50% · 4.625%
HK$22,484
+HK$1,290/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,388/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,187
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$22,782
−HK$604/mo
Today · 4.125%
HK$23,386
baseline
▲ 0.50% · 4.625%
HK$24,619
+HK$1,233/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,772/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,405 · 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).