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$11,145
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,491
−HK$352/mo
Today · 4.125%
HK$11,843
baseline
▲ 0.50% · 4.625%
HK$12,564
+HK$721/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$106,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,398
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,731
−HK$337/mo
Today · 4.125%
HK$13,068
baseline
▲ 0.50% · 4.625%
HK$13,757
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,136/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,373
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,789
−HK$423/mo
Today · 4.125%
HK$14,212
baseline
▲ 0.50% · 4.625%
HK$15,077
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,424/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,878
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,277
−HK$405/mo
Today · 4.125%
HK$15,682
baseline
▲ 0.50% · 4.625%
HK$16,508
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,364/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,602
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,088
−HK$493/mo
Today · 4.125%
HK$16,581
baseline
▲ 0.50% · 4.625%
HK$17,590
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,162/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,358
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,823
−HK$472/mo
Today · 4.125%
HK$18,295
baseline
▲ 0.50% · 4.625%
HK$19,260
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,590/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,060
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,684
−HK$634/mo
Today · 4.125%
HK$21,318
baseline
▲ 0.50% · 4.625%
HK$22,615
+HK$1,297/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,636/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,317
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,915
−HK$608/mo
Today · 4.125%
HK$23,523
baseline
▲ 0.50% · 4.625%
HK$24,762
+HK$1,239/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,046/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,243 · 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).