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$11,110
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,456
−HK$351/mo
Today · 4.125%
HK$11,807
baseline
▲ 0.50% · 4.625%
HK$12,525
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,614/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,360
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,691
−HK$337/mo
Today · 4.125%
HK$13,028
baseline
▲ 0.50% · 4.625%
HK$13,714
+HK$686/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,056/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,332
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,747
−HK$421/mo
Today · 4.125%
HK$14,168
baseline
▲ 0.50% · 4.625%
HK$15,030
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,336/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,832
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,230
−HK$403/mo
Today · 4.125%
HK$15,633
baseline
▲ 0.50% · 4.625%
HK$16,457
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,266/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,554
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,038
−HK$492/mo
Today · 4.125%
HK$16,530
baseline
▲ 0.50% · 4.625%
HK$17,535
+HK$1,005/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,060/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,304
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,768
−HK$471/mo
Today · 4.125%
HK$18,239
baseline
▲ 0.50% · 4.625%
HK$19,200
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,478/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,998
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,620
−HK$632/mo
Today · 4.125%
HK$21,252
baseline
▲ 0.50% · 4.625%
HK$22,545
+HK$1,293/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,504/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,248
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,845
−HK$605/mo
Today · 4.125%
HK$23,450
baseline
▲ 0.50% · 4.625%
HK$24,686
+HK$1,236/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,900/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,732 · 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).