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$11,145
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,492
−HK$352/mo
Today · 4.125%
HK$11,844
baseline
▲ 0.50% · 4.625%
HK$12,565
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,688/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,399
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,732
−HK$337/mo
Today · 4.125%
HK$13,069
baseline
▲ 0.50% · 4.625%
HK$13,758
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,138/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,374
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,790
−HK$423/mo
Today · 4.125%
HK$14,213
baseline
▲ 0.50% · 4.625%
HK$15,078
+HK$865/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,426/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,879
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$405/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,509
+HK$826/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,366/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,603
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,089
−HK$493/mo
Today · 4.125%
HK$16,582
baseline
▲ 0.50% · 4.625%
HK$17,591
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,164/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,359
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,824
−HK$472/mo
Today · 4.125%
HK$18,296
baseline
▲ 0.50% · 4.625%
HK$19,261
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,592/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,061
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,685
−HK$634/mo
Today · 4.125%
HK$21,319
baseline
▲ 0.50% · 4.625%
HK$22,617
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,638/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,272 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,318
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,917
−HK$607/mo
Today · 4.125%
HK$23,524
baseline
▲ 0.50% · 4.625%
HK$24,764
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,048/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,272 · 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).