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$11,120
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,466
−HK$351/mo
Today · 4.125%
HK$11,817
baseline
▲ 0.50% · 4.625%
HK$12,536
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,634/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,371
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,702
−HK$337/mo
Today · 4.125%
HK$13,039
baseline
▲ 0.50% · 4.625%
HK$13,726
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,078/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,344
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,759
−HK$422/mo
Today · 4.125%
HK$14,181
baseline
▲ 0.50% · 4.625%
HK$15,043
+HK$862/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,362/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,845
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$404/mo
Today · 4.125%
HK$15,647
baseline
▲ 0.50% · 4.625%
HK$16,472
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,294/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,568
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,052
−HK$492/mo
Today · 4.125%
HK$16,544
baseline
▲ 0.50% · 4.625%
HK$17,551
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,088/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,319
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,783
−HK$472/mo
Today · 4.125%
HK$18,255
baseline
▲ 0.50% · 4.625%
HK$19,217
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,510/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,016
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,638
−HK$633/mo
Today · 4.125%
HK$21,271
baseline
▲ 0.50% · 4.625%
HK$22,565
+HK$1,294/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,542/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,267
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,864
−HK$606/mo
Today · 4.125%
HK$23,470
baseline
▲ 0.50% · 4.625%
HK$24,707
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,940/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,155 · 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).