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$11,130
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,476
−HK$352/mo
Today · 4.125%
HK$11,828
baseline
▲ 0.50% · 4.625%
HK$12,547
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,656/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,382
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,714
−HK$337/mo
Today · 4.125%
HK$13,051
baseline
▲ 0.50% · 4.625%
HK$13,739
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,102/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,356
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,771
−HK$422/mo
Today · 4.125%
HK$14,193
baseline
▲ 0.50% · 4.625%
HK$15,057
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,386/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,858
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$405/mo
Today · 4.125%
HK$15,661
baseline
▲ 0.50% · 4.625%
HK$16,486
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,322/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,582
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,066
−HK$493/mo
Today · 4.125%
HK$16,559
baseline
▲ 0.50% · 4.625%
HK$17,566
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,118/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,334
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,799
−HK$472/mo
Today · 4.125%
HK$18,271
baseline
▲ 0.50% · 4.625%
HK$19,234
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,542/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,033
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,657
−HK$633/mo
Today · 4.125%
HK$21,290
baseline
▲ 0.50% · 4.625%
HK$22,585
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,580/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,589 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,287
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,885
−HK$606/mo
Today · 4.125%
HK$23,491
baseline
▲ 0.50% · 4.625%
HK$24,729
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,982/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,589 · 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).