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$11,126
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,472
−HK$351/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,543
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,646/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$337/mo
Today · 4.125%
HK$13,046
baseline
▲ 0.50% · 4.625%
HK$13,734
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,092/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,351
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,766
−HK$422/mo
Today · 4.125%
HK$14,188
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,376/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,853
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,251
−HK$404/mo
Today · 4.125%
HK$15,655
baseline
▲ 0.50% · 4.625%
HK$16,480
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,310/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,576
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$493/mo
Today · 4.125%
HK$16,553
baseline
▲ 0.50% · 4.625%
HK$17,560
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,106/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,328
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,793
−HK$471/mo
Today · 4.125%
HK$18,264
baseline
▲ 0.50% · 4.625%
HK$19,227
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,528/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,026
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,649
−HK$633/mo
Today · 4.125%
HK$21,282
baseline
▲ 0.50% · 4.625%
HK$22,577
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,564/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,412 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,279
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,876
−HK$607/mo
Today · 4.125%
HK$23,483
baseline
▲ 0.50% · 4.625%
HK$24,720
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,966/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,412 · 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).