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$11,135
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,481
−HK$352/mo
Today · 4.125%
HK$11,833
baseline
▲ 0.50% · 4.625%
HK$12,553
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,666/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,388
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,720
−HK$337/mo
Today · 4.125%
HK$13,057
baseline
▲ 0.50% · 4.625%
HK$13,745
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,114/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,362
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,778
−HK$422/mo
Today · 4.125%
HK$14,200
baseline
▲ 0.50% · 4.625%
HK$15,064
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,400/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,865
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,264
−HK$404/mo
Today · 4.125%
HK$15,668
baseline
▲ 0.50% · 4.625%
HK$16,494
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,336/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,589
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,074
−HK$493/mo
Today · 4.125%
HK$16,567
baseline
▲ 0.50% · 4.625%
HK$17,575
+HK$1,008/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,134/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,343
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,808
−HK$472/mo
Today · 4.125%
HK$18,280
baseline
▲ 0.50% · 4.625%
HK$19,243
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,560/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,043
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,666
−HK$634/mo
Today · 4.125%
HK$21,300
baseline
▲ 0.50% · 4.625%
HK$22,596
+HK$1,296/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,600/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,821 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,298
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,896
−HK$606/mo
Today · 4.125%
HK$23,502
baseline
▲ 0.50% · 4.625%
HK$24,741
+HK$1,239/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$47,004/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,821 · 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).