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$11,149
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,496
−HK$352/mo
Today · 4.125%
HK$11,848
baseline
▲ 0.50% · 4.625%
HK$12,569
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,696/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,403
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,735
−HK$338/mo
Today · 4.125%
HK$13,073
baseline
▲ 0.50% · 4.625%
HK$13,762
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,146/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,378
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,795
−HK$422/mo
Today · 4.125%
HK$14,217
baseline
▲ 0.50% · 4.625%
HK$15,083
+HK$866/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,434/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,883
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$405/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,514
+HK$826/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,608
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,094
−HK$493/mo
Today · 4.125%
HK$16,587
baseline
▲ 0.50% · 4.625%
HK$17,596
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,174/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,364
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,830
−HK$472/mo
Today · 4.125%
HK$18,302
baseline
▲ 0.50% · 4.625%
HK$19,267
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,604/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,068
−HK$1,258/mo
▼ 0.25% · 3.875%
HK$20,692
−HK$634/mo
Today · 4.125%
HK$21,326
baseline
▲ 0.50% · 4.625%
HK$22,624
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,652/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,325
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,924
−HK$607/mo
Today · 4.125%
HK$23,531
baseline
▲ 0.50% · 4.625%
HK$24,772
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,062/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,425 · 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).