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$11,140
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,487
−HK$352/mo
Today · 4.125%
HK$11,839
baseline
▲ 0.50% · 4.625%
HK$12,559
+HK$720/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$106,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,393
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,726
−HK$337/mo
Today · 4.125%
HK$13,063
baseline
▲ 0.50% · 4.625%
HK$13,751
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,126/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,368
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,784
−HK$422/mo
Today · 4.125%
HK$14,206
baseline
▲ 0.50% · 4.625%
HK$15,071
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,412/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,872
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,271
−HK$404/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,502
+HK$827/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,350/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,596
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,081
−HK$493/mo
Today · 4.125%
HK$16,574
baseline
▲ 0.50% · 4.625%
HK$17,583
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,148/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,350
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,816
−HK$472/mo
Today · 4.125%
HK$18,288
baseline
▲ 0.50% · 4.625%
HK$19,252
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,576/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,052
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,676
−HK$634/mo
Today · 4.125%
HK$21,310
baseline
▲ 0.50% · 4.625%
HK$22,606
+HK$1,296/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,620/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,044 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,308
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,906
−HK$607/mo
Today · 4.125%
HK$23,513
baseline
▲ 0.50% · 4.625%
HK$24,752
+HK$1,239/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,026/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,044 · 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).