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$11,119
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,465
−HK$351/mo
Today · 4.125%
HK$11,816
baseline
▲ 0.50% · 4.625%
HK$12,535
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,632/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,370
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,702
−HK$336/mo
Today · 4.125%
HK$13,038
baseline
▲ 0.50% · 4.625%
HK$13,726
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,076/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,343
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,758
−HK$422/mo
Today · 4.125%
HK$14,180
baseline
▲ 0.50% · 4.625%
HK$15,043
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,360/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,844
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$404/mo
Today · 4.125%
HK$15,646
baseline
▲ 0.50% · 4.625%
HK$16,471
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,292/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,567
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,051
−HK$492/mo
Today · 4.125%
HK$16,543
baseline
▲ 0.50% · 4.625%
HK$17,550
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,086/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,318
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,782
−HK$472/mo
Today · 4.125%
HK$18,254
baseline
▲ 0.50% · 4.625%
HK$19,216
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,508/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,015
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,637
−HK$633/mo
Today · 4.125%
HK$21,270
baseline
▲ 0.50% · 4.625%
HK$22,564
+HK$1,294/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,540/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,130 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,266
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,863
−HK$606/mo
Today · 4.125%
HK$23,469
baseline
▲ 0.50% · 4.625%
HK$24,706
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,938/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,130 · 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).