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$11,142
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$352/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,561
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,682/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,396
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$337/mo
Today · 4.125%
HK$13,065
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,130/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,371
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,787
−HK$422/mo
Today · 4.125%
HK$14,209
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,418/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,875
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,274
−HK$404/mo
Today · 4.125%
HK$15,678
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$827/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,356/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,599
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,084
−HK$493/mo
Today · 4.125%
HK$16,577
baseline
▲ 0.50% · 4.625%
HK$17,586
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,154/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,354
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,819
−HK$472/mo
Today · 4.125%
HK$18,291
baseline
▲ 0.50% · 4.625%
HK$19,255
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,582/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,056
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,680
−HK$634/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,610
+HK$1,296/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,312
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,910
−HK$607/mo
Today · 4.125%
HK$23,517
baseline
▲ 0.50% · 4.625%
HK$24,757
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,034/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,137 · 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).