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$11,118
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$351/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,534
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,630/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,368
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,700
−HK$337/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,724
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,341
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$422/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$15,041
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,356/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,842
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$404/mo
Today · 4.125%
HK$15,644
baseline
▲ 0.50% · 4.625%
HK$16,469
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,288/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,565
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$492/mo
Today · 4.125%
HK$16,541
baseline
▲ 0.50% · 4.625%
HK$17,548
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,082/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,316
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$471/mo
Today · 4.125%
HK$18,251
baseline
▲ 0.50% · 4.625%
HK$19,213
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,502/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,012
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,635
−HK$632/mo
Today · 4.125%
HK$21,267
baseline
▲ 0.50% · 4.625%
HK$22,561
+HK$1,294/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,534/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,070 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,263
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,860
−HK$606/mo
Today · 4.125%
HK$23,466
baseline
▲ 0.50% · 4.625%
HK$24,703
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,932/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,070 · 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).