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$11,129
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,475
−HK$352/mo
Today · 4.125%
HK$11,827
baseline
▲ 0.50% · 4.625%
HK$12,546
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,654/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,381
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,713
−HK$336/mo
Today · 4.125%
HK$13,049
baseline
▲ 0.50% · 4.625%
HK$13,737
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,098/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,354
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,770
−HK$422/mo
Today · 4.125%
HK$14,192
baseline
▲ 0.50% · 4.625%
HK$15,055
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,384/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,255
−HK$404/mo
Today · 4.125%
HK$15,659
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,318/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,580
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,065
−HK$492/mo
Today · 4.125%
HK$16,557
baseline
▲ 0.50% · 4.625%
HK$17,565
+HK$1,008/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,114/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,333
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,798
−HK$471/mo
Today · 4.125%
HK$18,269
baseline
▲ 0.50% · 4.625%
HK$19,232
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,538/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,032
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,655
−HK$633/mo
Today · 4.125%
HK$21,288
baseline
▲ 0.50% · 4.625%
HK$22,583
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,576/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,285
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,883
−HK$606/mo
Today · 4.125%
HK$23,489
baseline
▲ 0.50% · 4.625%
HK$24,727
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,978/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,545 · 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).