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$11,141
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$352/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,560
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,678/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,394
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$338/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,752
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,128/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,369
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,785
−HK$422/mo
Today · 4.125%
HK$14,207
baseline
▲ 0.50% · 4.625%
HK$15,072
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,414/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,873
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,272
−HK$404/mo
Today · 4.125%
HK$15,676
baseline
▲ 0.50% · 4.625%
HK$16,503
+HK$827/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,352/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,597
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,082
−HK$493/mo
Today · 4.125%
HK$16,575
baseline
▲ 0.50% · 4.625%
HK$17,584
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,150/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,352
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,817
−HK$472/mo
Today · 4.125%
HK$18,289
baseline
▲ 0.50% · 4.625%
HK$19,253
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,578/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,054
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,677
−HK$634/mo
Today · 4.125%
HK$21,311
baseline
▲ 0.50% · 4.625%
HK$22,608
+HK$1,297/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,622/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,079 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,309
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,908
−HK$607/mo
Today · 4.125%
HK$23,515
baseline
▲ 0.50% · 4.625%
HK$24,754
+HK$1,239/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,030/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,079 · 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).