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$11,139
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,485
−HK$352/mo
Today · 4.125%
HK$11,837
baseline
▲ 0.50% · 4.625%
HK$12,557
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,674/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,392
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,724
−HK$337/mo
Today · 4.125%
HK$13,061
baseline
▲ 0.50% · 4.625%
HK$13,749
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,122/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,366
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,782
−HK$422/mo
Today · 4.125%
HK$14,204
baseline
▲ 0.50% · 4.625%
HK$15,069
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,408/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,870
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,269
−HK$404/mo
Today · 4.125%
HK$15,673
baseline
▲ 0.50% · 4.625%
HK$16,499
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,346/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,594
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,079
−HK$493/mo
Today · 4.125%
HK$16,572
baseline
▲ 0.50% · 4.625%
HK$17,580
+HK$1,008/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,144/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,348
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,813
−HK$472/mo
Today · 4.125%
HK$18,285
baseline
▲ 0.50% · 4.625%
HK$19,249
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,570/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,049
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,673
−HK$634/mo
Today · 4.125%
HK$21,307
baseline
▲ 0.50% · 4.625%
HK$22,603
+HK$1,296/mo
Deposit HK$488K · loan HK$4.40M · min. income ≈ HK$42,614/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,979 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,305
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,903
−HK$607/mo
Today · 4.125%
HK$23,510
baseline
▲ 0.50% · 4.625%
HK$24,749
+HK$1,239/mo
Deposit HK$488K · loan HK$4.40M · min. income ≈ HK$47,020/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,979 · 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).