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$11,116
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,462
−HK$351/mo
Today · 4.125%
HK$11,813
baseline
▲ 0.50% · 4.625%
HK$12,532
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,626/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,367
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,698
−HK$337/mo
Today · 4.125%
HK$13,035
baseline
▲ 0.50% · 4.625%
HK$13,722
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,070/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,339
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,754
−HK$422/mo
Today · 4.125%
HK$14,176
baseline
▲ 0.50% · 4.625%
HK$15,038
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,352/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,840
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,238
−HK$404/mo
Today · 4.125%
HK$15,642
baseline
▲ 0.50% · 4.625%
HK$16,466
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,284/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,563
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,047
−HK$492/mo
Today · 4.125%
HK$16,539
baseline
▲ 0.50% · 4.625%
HK$17,545
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,078/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,313
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,778
−HK$471/mo
Today · 4.125%
HK$18,249
baseline
▲ 0.50% · 4.625%
HK$19,211
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,498/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,009
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,632
−HK$632/mo
Today · 4.125%
HK$21,264
baseline
▲ 0.50% · 4.625%
HK$22,558
+HK$1,294/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,528/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,260
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,857
−HK$606/mo
Today · 4.125%
HK$23,463
baseline
▲ 0.50% · 4.625%
HK$24,699
+HK$1,236/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,926/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,998 · 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).