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$11,077
−HK$694/mo
▼ 0.25% · 3.875%
HK$11,421
−HK$350/mo
Today · 4.125%
HK$11,771
baseline
▲ 0.50% · 4.625%
HK$12,487
+HK$716/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$23,542/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,323
−HK$665/mo
▼ 0.25% · 3.875%
HK$12,653
−HK$335/mo
Today · 4.125%
HK$12,988
baseline
▲ 0.50% · 4.625%
HK$13,673
+HK$685/mo
Deposit HK$2.43M · loan HK$2.43M · min. income ≈ HK$25,976/mo (50% DSR)
Upfront cash ≈ HK$2.53M (deposit + AVD stamp duty HK$103,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,292
−HK$833/mo
▼ 0.25% · 3.875%
HK$13,705
−HK$420/mo
Today · 4.125%
HK$14,125
baseline
▲ 0.50% · 4.625%
HK$14,985
+HK$860/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$28,250/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,787
−HK$799/mo
▼ 0.25% · 3.875%
HK$15,184
−HK$402/mo
Today · 4.125%
HK$15,586
baseline
▲ 0.50% · 4.625%
HK$16,408
+HK$822/mo
Deposit HK$1.94M · loan HK$2.91M · min. income ≈ HK$31,172/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$103,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,507
−HK$973/mo
▼ 0.25% · 3.875%
HK$15,990
−HK$490/mo
Today · 4.125%
HK$16,480
baseline
▲ 0.50% · 4.625%
HK$17,482
+HK$1,002/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$32,960/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,252
−HK$932/mo
▼ 0.25% · 3.875%
HK$17,714
−HK$470/mo
Today · 4.125%
HK$18,184
baseline
▲ 0.50% · 4.625%
HK$19,142
+HK$958/mo
Deposit HK$1.46M · loan HK$3.40M · min. income ≈ HK$36,368/mo (50% DSR)
Upfront cash ≈ HK$1.56M (deposit + AVD stamp duty HK$103,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,938
−HK$1,250/mo
▼ 0.25% · 3.875%
HK$20,558
−HK$630/mo
Today · 4.125%
HK$21,188
baseline
▲ 0.50% · 4.625%
HK$22,477
+HK$1,289/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$42,376/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,260 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,181
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$22,776
−HK$603/mo
Today · 4.125%
HK$23,379
baseline
▲ 0.50% · 4.625%
HK$24,611
+HK$1,232/mo
Deposit HK$486K · loan HK$4.37M · min. income ≈ HK$46,758/mo (50% DSR)
Upfront cash ≈ HK$589K (deposit + AVD stamp duty HK$103,260 · 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).