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$11,115
−HK$696/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$351/mo
Today · 4.125%
HK$11,811
baseline
▲ 0.50% · 4.625%
HK$12,530
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,622/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,365
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,696
−HK$337/mo
Today · 4.125%
HK$13,033
baseline
▲ 0.50% · 4.625%
HK$13,720
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,066/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,337
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,752
−HK$422/mo
Today · 4.125%
HK$14,174
baseline
▲ 0.50% · 4.625%
HK$15,036
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,348/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,838
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,236
−HK$403/mo
Today · 4.125%
HK$15,639
baseline
▲ 0.50% · 4.625%
HK$16,464
+HK$825/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,278/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,560
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,044
−HK$492/mo
Today · 4.125%
HK$16,536
baseline
▲ 0.50% · 4.625%
HK$17,542
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,072/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,311
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,775
−HK$471/mo
Today · 4.125%
HK$18,246
baseline
▲ 0.50% · 4.625%
HK$19,208
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,492/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,006
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,628
−HK$633/mo
Today · 4.125%
HK$21,261
baseline
▲ 0.50% · 4.625%
HK$22,554
+HK$1,293/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,522/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,924 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,257
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,854
−HK$605/mo
Today · 4.125%
HK$23,459
baseline
▲ 0.50% · 4.625%
HK$24,696
+HK$1,237/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,918/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,924 · 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).