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$697/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$352/mo
Today · 4.125%
HK$11,818
baseline
▲ 0.50% · 4.625%
HK$12,537
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,636/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,372
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,703
−HK$337/mo
Today · 4.125%
HK$13,040
baseline
▲ 0.50% · 4.625%
HK$13,727
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,080/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,345
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,760
−HK$421/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$15,044
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,846
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$404/mo
Today · 4.125%
HK$15,648
baseline
▲ 0.50% · 4.625%
HK$16,473
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,296/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,569
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,053
−HK$492/mo
Today · 4.125%
HK$16,545
baseline
▲ 0.50% · 4.625%
HK$17,552
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,090/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,320
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,785
−HK$471/mo
Today · 4.125%
HK$18,256
baseline
▲ 0.50% · 4.625%
HK$19,218
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,512/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,017
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,640
−HK$632/mo
Today · 4.125%
HK$21,272
baseline
▲ 0.50% · 4.625%
HK$22,567
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,544/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,189 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,269
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,866
−HK$606/mo
Today · 4.125%
HK$23,472
baseline
▲ 0.50% · 4.625%
HK$24,709
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,944/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,189 · 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).