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$11,125
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$351/mo
Today · 4.125%
HK$11,822
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,644/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,376
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,708
−HK$337/mo
Today · 4.125%
HK$13,045
baseline
▲ 0.50% · 4.625%
HK$13,732
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,090/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,350
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$422/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$15,050
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,374/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,851
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$404/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,479
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,575
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,059
−HK$492/mo
Today · 4.125%
HK$16,551
baseline
▲ 0.50% · 4.625%
HK$17,558
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,102/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,791
−HK$472/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,225
+HK$962/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,526/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,025
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,647
−HK$633/mo
Today · 4.125%
HK$21,280
baseline
▲ 0.50% · 4.625%
HK$22,575
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,560/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,372 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,277
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$606/mo
Today · 4.125%
HK$23,481
baseline
▲ 0.50% · 4.625%
HK$24,718
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,962/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,372 · 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).