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$11,144
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,490
−HK$353/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,563
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,686/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,397
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,730
−HK$337/mo
Today · 4.125%
HK$13,067
baseline
▲ 0.50% · 4.625%
HK$13,756
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,134/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,373
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,788
−HK$423/mo
Today · 4.125%
HK$14,211
baseline
▲ 0.50% · 4.625%
HK$15,076
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,422/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,877
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,276
−HK$405/mo
Today · 4.125%
HK$15,681
baseline
▲ 0.50% · 4.625%
HK$16,507
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,362/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,601
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,087
−HK$493/mo
Today · 4.125%
HK$16,580
baseline
▲ 0.50% · 4.625%
HK$17,588
+HK$1,008/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,160/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,356
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,822
−HK$472/mo
Today · 4.125%
HK$18,294
baseline
▲ 0.50% · 4.625%
HK$19,258
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,588/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,059
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,683
−HK$634/mo
Today · 4.125%
HK$21,317
baseline
▲ 0.50% · 4.625%
HK$22,614
+HK$1,297/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,634/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,315
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,914
−HK$607/mo
Today · 4.125%
HK$23,521
baseline
▲ 0.50% · 4.625%
HK$24,761
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,042/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,206 · 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).