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$11,121
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,467
−HK$352/mo
Today · 4.125%
HK$11,819
baseline
▲ 0.50% · 4.625%
HK$12,538
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,638/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,372
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,704
−HK$337/mo
Today · 4.125%
HK$13,041
baseline
▲ 0.50% · 4.625%
HK$13,728
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,082/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,346
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,761
−HK$422/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$15,046
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,366/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,847
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,245
−HK$404/mo
Today · 4.125%
HK$15,649
baseline
▲ 0.50% · 4.625%
HK$16,474
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,298/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,570
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,054
−HK$492/mo
Today · 4.125%
HK$16,546
baseline
▲ 0.50% · 4.625%
HK$17,553
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,092/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,321
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,786
−HK$471/mo
Today · 4.125%
HK$18,257
baseline
▲ 0.50% · 4.625%
HK$19,220
+HK$963/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,514/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,019
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,641
−HK$633/mo
Today · 4.125%
HK$21,274
baseline
▲ 0.50% · 4.625%
HK$22,568
+HK$1,294/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,548/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,227 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,270
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,868
−HK$606/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,711
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,227 · 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).