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$11,108
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,454
−HK$351/mo
Today · 4.125%
HK$11,805
baseline
▲ 0.50% · 4.625%
HK$12,523
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,610/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,358
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,689
−HK$336/mo
Today · 4.125%
HK$13,025
baseline
▲ 0.50% · 4.625%
HK$13,712
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,050/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,330
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,744
−HK$422/mo
Today · 4.125%
HK$14,166
baseline
▲ 0.50% · 4.625%
HK$15,028
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,332/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,829
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,227
−HK$403/mo
Today · 4.125%
HK$15,630
baseline
▲ 0.50% · 4.625%
HK$16,454
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,260/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,551
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,035
−HK$492/mo
Today · 4.125%
HK$16,527
baseline
▲ 0.50% · 4.625%
HK$17,532
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,054/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,301
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,765
−HK$470/mo
Today · 4.125%
HK$18,235
baseline
▲ 0.50% · 4.625%
HK$19,197
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,470/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,995
−HK$1,253/mo
▼ 0.25% · 3.875%
HK$20,617
−HK$631/mo
Today · 4.125%
HK$21,248
baseline
▲ 0.50% · 4.625%
HK$22,541
+HK$1,293/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,496/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,643 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,244
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,840
−HK$606/mo
Today · 4.125%
HK$23,446
baseline
▲ 0.50% · 4.625%
HK$24,681
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,892/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,643 · 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).