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$11,150
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,497
−HK$352/mo
Today · 4.125%
HK$11,849
baseline
▲ 0.50% · 4.625%
HK$12,570
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,698/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,404
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,737
−HK$337/mo
Today · 4.125%
HK$13,074
baseline
▲ 0.50% · 4.625%
HK$13,763
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,148/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,380
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,796
−HK$423/mo
Today · 4.125%
HK$14,219
baseline
▲ 0.50% · 4.625%
HK$15,084
+HK$865/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,438/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,885
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,284
−HK$405/mo
Today · 4.125%
HK$15,689
baseline
▲ 0.50% · 4.625%
HK$16,516
+HK$827/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,378/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,610
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,095
−HK$494/mo
Today · 4.125%
HK$16,589
baseline
▲ 0.50% · 4.625%
HK$17,598
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,178/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,366
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,831
−HK$473/mo
Today · 4.125%
HK$18,304
baseline
▲ 0.50% · 4.625%
HK$19,269
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,608/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,070
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,694
−HK$634/mo
Today · 4.125%
HK$21,328
baseline
▲ 0.50% · 4.625%
HK$22,626
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,656/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,327
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,926
−HK$607/mo
Today · 4.125%
HK$23,533
baseline
▲ 0.50% · 4.625%
HK$24,774
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,066/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,470 · 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).