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$11,148
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,495
−HK$352/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,568
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,694/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,402
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$337/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,144/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,377
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,794
−HK$422/mo
Today · 4.125%
HK$14,216
baseline
▲ 0.50% · 4.625%
HK$15,081
+HK$865/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,432/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,882
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,281
−HK$405/mo
Today · 4.125%
HK$15,686
baseline
▲ 0.50% · 4.625%
HK$16,513
+HK$827/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,372/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,607
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,092
−HK$494/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,595
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,172/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,828
−HK$473/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,265
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,066
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,690
−HK$634/mo
Today · 4.125%
HK$21,324
baseline
▲ 0.50% · 4.625%
HK$22,622
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,648/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,323
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,922
−HK$607/mo
Today · 4.125%
HK$23,529
baseline
▲ 0.50% · 4.625%
HK$24,770
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,058/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,387 · 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).