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$11,115
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,461
−HK$351/mo
Today · 4.125%
HK$11,812
baseline
▲ 0.50% · 4.625%
HK$12,531
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,624/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,366
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,697
−HK$337/mo
Today · 4.125%
HK$13,034
baseline
▲ 0.50% · 4.625%
HK$13,721
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,068/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,338
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,753
−HK$422/mo
Today · 4.125%
HK$14,175
baseline
▲ 0.50% · 4.625%
HK$15,037
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,350/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,839
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$404/mo
Today · 4.125%
HK$15,641
baseline
▲ 0.50% · 4.625%
HK$16,465
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,282/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,562
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,046
−HK$491/mo
Today · 4.125%
HK$16,537
baseline
▲ 0.50% · 4.625%
HK$17,544
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,074/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,312
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,776
−HK$471/mo
Today · 4.125%
HK$18,247
baseline
▲ 0.50% · 4.625%
HK$19,209
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,494/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,008
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,630
−HK$632/mo
Today · 4.125%
HK$21,262
baseline
▲ 0.50% · 4.625%
HK$22,556
+HK$1,294/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,524/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,963 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,258
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,855
−HK$606/mo
Today · 4.125%
HK$23,461
baseline
▲ 0.50% · 4.625%
HK$24,698
+HK$1,237/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,922/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,963 · 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).