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$11,118
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,464
−HK$352/mo
Today · 4.125%
HK$11,816
baseline
▲ 0.50% · 4.625%
HK$12,535
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,632/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,369
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,701
−HK$336/mo
Today · 4.125%
HK$13,037
baseline
▲ 0.50% · 4.625%
HK$13,725
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,074/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,342
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,757
−HK$422/mo
Today · 4.125%
HK$14,179
baseline
▲ 0.50% · 4.625%
HK$15,042
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,358/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,843
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,241
−HK$404/mo
Today · 4.125%
HK$15,645
baseline
▲ 0.50% · 4.625%
HK$16,470
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,290/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,566
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,050
−HK$492/mo
Today · 4.125%
HK$16,542
baseline
▲ 0.50% · 4.625%
HK$17,548
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,084/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,317
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,781
−HK$471/mo
Today · 4.125%
HK$18,252
baseline
▲ 0.50% · 4.625%
HK$19,214
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,504/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,013
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,636
−HK$632/mo
Today · 4.125%
HK$21,268
baseline
▲ 0.50% · 4.625%
HK$22,562
+HK$1,294/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,536/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,097 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,264
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,862
−HK$605/mo
Today · 4.125%
HK$23,467
baseline
▲ 0.50% · 4.625%
HK$24,704
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,934/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,097 · 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).