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$11,105
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,451
−HK$351/mo
Today · 4.125%
HK$11,802
baseline
▲ 0.50% · 4.625%
HK$12,520
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,604/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,354
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,686
−HK$336/mo
Today · 4.125%
HK$13,022
baseline
▲ 0.50% · 4.625%
HK$13,708
+HK$686/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,044/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,326
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,741
−HK$421/mo
Today · 4.125%
HK$14,162
baseline
▲ 0.50% · 4.625%
HK$15,024
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,324/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,825
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,223
−HK$403/mo
Today · 4.125%
HK$15,626
baseline
▲ 0.50% · 4.625%
HK$16,450
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,252/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,547
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,031
−HK$491/mo
Today · 4.125%
HK$16,522
baseline
▲ 0.50% · 4.625%
HK$17,528
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,044/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,296
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,760
−HK$471/mo
Today · 4.125%
HK$18,231
baseline
▲ 0.50% · 4.625%
HK$19,192
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,462/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,989
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,611
−HK$632/mo
Today · 4.125%
HK$21,243
baseline
▲ 0.50% · 4.625%
HK$22,535
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,486/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,238
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$22,834
−HK$605/mo
Today · 4.125%
HK$23,439
baseline
▲ 0.50% · 4.625%
HK$24,675
+HK$1,236/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,878/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,514 · 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).