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$11,123
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,469
−HK$351/mo
Today · 4.125%
HK$11,820
baseline
▲ 0.50% · 4.625%
HK$12,539
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,640/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,374
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,706
−HK$336/mo
Today · 4.125%
HK$13,042
baseline
▲ 0.50% · 4.625%
HK$13,730
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,084/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,347
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,762
−HK$422/mo
Today · 4.125%
HK$14,184
baseline
▲ 0.50% · 4.625%
HK$15,047
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,368/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,849
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,247
−HK$404/mo
Today · 4.125%
HK$15,651
baseline
▲ 0.50% · 4.625%
HK$16,476
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,302/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,572
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,056
−HK$492/mo
Today · 4.125%
HK$16,548
baseline
▲ 0.50% · 4.625%
HK$17,555
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,096/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,324
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,788
−HK$471/mo
Today · 4.125%
HK$18,259
baseline
▲ 0.50% · 4.625%
HK$19,222
+HK$963/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,518/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,021
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,644
−HK$632/mo
Today · 4.125%
HK$21,276
baseline
▲ 0.50% · 4.625%
HK$22,571
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,552/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,286 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,273
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,870
−HK$606/mo
Today · 4.125%
HK$23,476
baseline
▲ 0.50% · 4.625%
HK$24,714
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,952/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,286 · 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).