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$11,133
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$351/mo
Today · 4.125%
HK$11,831
baseline
▲ 0.50% · 4.625%
HK$12,551
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,662/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,386
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,718
−HK$337/mo
Today · 4.125%
HK$13,055
baseline
▲ 0.50% · 4.625%
HK$13,743
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,110/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,360
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$423/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,863
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$405/mo
Today · 4.125%
HK$15,666
baseline
▲ 0.50% · 4.625%
HK$16,491
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,332/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,071
−HK$493/mo
Today · 4.125%
HK$16,564
baseline
▲ 0.50% · 4.625%
HK$17,572
+HK$1,008/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,128/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,340
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,805
−HK$472/mo
Today · 4.125%
HK$18,277
baseline
▲ 0.50% · 4.625%
HK$19,240
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,554/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,040
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,663
−HK$633/mo
Today · 4.125%
HK$21,296
baseline
▲ 0.50% · 4.625%
HK$22,592
+HK$1,296/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,592/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,744 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,294
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,892
−HK$607/mo
Today · 4.125%
HK$23,499
baseline
▲ 0.50% · 4.625%
HK$24,737
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,998/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,744 · 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).