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$11,148
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,495
−HK$352/mo
Today · 4.125%
HK$11,847
baseline
▲ 0.50% · 4.625%
HK$12,568
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,694/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,402
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$337/mo
Today · 4.125%
HK$13,072
baseline
▲ 0.50% · 4.625%
HK$13,761
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,144/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,378
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,794
−HK$423/mo
Today · 4.125%
HK$14,217
baseline
▲ 0.50% · 4.625%
HK$15,082
+HK$865/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,434/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,883
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$405/mo
Today · 4.125%
HK$15,687
baseline
▲ 0.50% · 4.625%
HK$16,514
+HK$827/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,374/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,608
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,093
−HK$493/mo
Today · 4.125%
HK$16,586
baseline
▲ 0.50% · 4.625%
HK$17,596
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,172/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,363
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,829
−HK$472/mo
Today · 4.125%
HK$18,301
baseline
▲ 0.50% · 4.625%
HK$19,266
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,602/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,067
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,691
−HK$634/mo
Today · 4.125%
HK$21,325
baseline
▲ 0.50% · 4.625%
HK$22,623
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,650/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,324
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,923
−HK$607/mo
Today · 4.125%
HK$23,530
baseline
▲ 0.50% · 4.625%
HK$24,771
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,060/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,404 · 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).