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$11,127
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,473
−HK$351/mo
Today · 4.125%
HK$11,824
baseline
▲ 0.50% · 4.625%
HK$12,544
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,648/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,378
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,710
−HK$337/mo
Today · 4.125%
HK$13,047
baseline
▲ 0.50% · 4.625%
HK$13,735
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,094/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,352
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,767
−HK$422/mo
Today · 4.125%
HK$14,189
baseline
▲ 0.50% · 4.625%
HK$15,053
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,378/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,854
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$405/mo
Today · 4.125%
HK$15,657
baseline
▲ 0.50% · 4.625%
HK$16,482
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,314/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,577
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,062
−HK$492/mo
Today · 4.125%
HK$16,554
baseline
▲ 0.50% · 4.625%
HK$17,562
+HK$1,008/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,108/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,330
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,795
−HK$471/mo
Today · 4.125%
HK$18,266
baseline
▲ 0.50% · 4.625%
HK$19,229
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,532/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,028
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,651
−HK$633/mo
Today · 4.125%
HK$21,284
baseline
▲ 0.50% · 4.625%
HK$22,579
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,568/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,281
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,879
−HK$606/mo
Today · 4.125%
HK$23,485
baseline
▲ 0.50% · 4.625%
HK$24,723
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,970/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,461 · 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).