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$11,122
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$352/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,640/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,373
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,705
−HK$337/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,729
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,084/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,347
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$422/mo
Today · 4.125%
HK$14,184
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,368/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,848
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$404/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,475
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,571
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$493/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,096/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,323
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$472/mo
Today · 4.125%
HK$18,259
baseline
▲ 0.50% · 4.625%
HK$19,221
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,518/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,020
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,643
−HK$632/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,570
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,272
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,869
−HK$606/mo
Today · 4.125%
HK$23,475
baseline
▲ 0.50% · 4.625%
HK$24,713
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,950/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,262 · 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).