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$11,125
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,471
−HK$352/mo
Today · 4.125%
HK$11,823
baseline
▲ 0.50% · 4.625%
HK$12,542
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,646/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,377
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,709
−HK$336/mo
Today · 4.125%
HK$13,045
baseline
▲ 0.50% · 4.625%
HK$13,733
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,090/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,350
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,765
−HK$422/mo
Today · 4.125%
HK$14,187
baseline
▲ 0.50% · 4.625%
HK$15,051
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,374/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,852
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,250
−HK$404/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,480
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,575
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,060
−HK$492/mo
Today · 4.125%
HK$16,552
baseline
▲ 0.50% · 4.625%
HK$17,559
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,104/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,327
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,792
−HK$471/mo
Today · 4.125%
HK$18,263
baseline
▲ 0.50% · 4.625%
HK$19,226
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,526/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,025
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,648
−HK$633/mo
Today · 4.125%
HK$21,281
baseline
▲ 0.50% · 4.625%
HK$22,576
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,562/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,278
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,875
−HK$607/mo
Today · 4.125%
HK$23,482
baseline
▲ 0.50% · 4.625%
HK$24,719
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,964/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,391 · 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).