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$11,133
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,479
−HK$352/mo
Today · 4.125%
HK$11,831
baseline
▲ 0.50% · 4.625%
HK$12,551
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,662/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,385
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$337/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,108/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,359
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,775
−HK$422/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$15,061
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,394/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,862
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,261
−HK$404/mo
Today · 4.125%
HK$15,665
baseline
▲ 0.50% · 4.625%
HK$16,491
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,330/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,586
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,071
−HK$492/mo
Today · 4.125%
HK$16,563
baseline
▲ 0.50% · 4.625%
HK$17,571
+HK$1,008/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,126/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,339
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$472/mo
Today · 4.125%
HK$18,276
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,552/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,039
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$633/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,296/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,293
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,891
−HK$606/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,736
+HK$1,239/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,721 · 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).