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$11,147
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,493
−HK$353/mo
Today · 4.125%
HK$11,846
baseline
▲ 0.50% · 4.625%
HK$12,566
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,692/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,401
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,733
−HK$337/mo
Today · 4.125%
HK$13,070
baseline
▲ 0.50% · 4.625%
HK$13,759
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,140/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,376
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,792
−HK$423/mo
Today · 4.125%
HK$14,215
baseline
▲ 0.50% · 4.625%
HK$15,080
+HK$865/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,430/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,881
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,280
−HK$405/mo
Today · 4.125%
HK$15,685
baseline
▲ 0.50% · 4.625%
HK$16,511
+HK$826/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,370/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,605
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,091
−HK$493/mo
Today · 4.125%
HK$16,584
baseline
▲ 0.50% · 4.625%
HK$17,593
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,168/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,361
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,826
−HK$473/mo
Today · 4.125%
HK$18,299
baseline
▲ 0.50% · 4.625%
HK$19,263
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,598/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,064
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,688
−HK$634/mo
Today · 4.125%
HK$21,322
baseline
▲ 0.50% · 4.625%
HK$22,620
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,644/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,321
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,920
−HK$607/mo
Today · 4.125%
HK$23,527
baseline
▲ 0.50% · 4.625%
HK$24,767
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,054/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,333 · 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).