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$11,112
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,457
−HK$352/mo
Today · 4.125%
HK$11,809
baseline
▲ 0.50% · 4.625%
HK$12,527
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,618/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,362
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,693
−HK$337/mo
Today · 4.125%
HK$13,030
baseline
▲ 0.50% · 4.625%
HK$13,716
+HK$686/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,060/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,334
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,749
−HK$421/mo
Today · 4.125%
HK$14,170
baseline
▲ 0.50% · 4.625%
HK$15,033
+HK$863/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,340/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,834
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,232
−HK$404/mo
Today · 4.125%
HK$15,636
baseline
▲ 0.50% · 4.625%
HK$16,460
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,272/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,557
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,040
−HK$492/mo
Today · 4.125%
HK$16,532
baseline
▲ 0.50% · 4.625%
HK$17,538
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,064/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,307
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,771
−HK$471/mo
Today · 4.125%
HK$18,242
baseline
▲ 0.50% · 4.625%
HK$19,203
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,484/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,001
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,623
−HK$633/mo
Today · 4.125%
HK$21,256
baseline
▲ 0.50% · 4.625%
HK$22,549
+HK$1,293/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,512/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,251
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,848
−HK$605/mo
Today · 4.125%
HK$23,453
baseline
▲ 0.50% · 4.625%
HK$24,690
+HK$1,237/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,906/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,807 · 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).