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$11,107
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,453
−HK$351/mo
Today · 4.125%
HK$11,804
baseline
▲ 0.50% · 4.625%
HK$12,522
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,608/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,357
−HK$667/mo
▼ 0.25% · 3.875%
HK$12,688
−HK$336/mo
Today · 4.125%
HK$13,024
baseline
▲ 0.50% · 4.625%
HK$13,711
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,048/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,329
−HK$835/mo
▼ 0.25% · 3.875%
HK$13,743
−HK$421/mo
Today · 4.125%
HK$14,164
baseline
▲ 0.50% · 4.625%
HK$15,026
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,328/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,828
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,226
−HK$403/mo
Today · 4.125%
HK$15,629
baseline
▲ 0.50% · 4.625%
HK$16,453
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,258/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,550
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,034
−HK$491/mo
Today · 4.125%
HK$16,525
baseline
▲ 0.50% · 4.625%
HK$17,531
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,050/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,299
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,763
−HK$471/mo
Today · 4.125%
HK$18,234
baseline
▲ 0.50% · 4.625%
HK$19,195
+HK$961/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,468/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,993
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,615
−HK$632/mo
Today · 4.125%
HK$21,247
baseline
▲ 0.50% · 4.625%
HK$22,539
+HK$1,292/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,494/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,242
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,838
−HK$606/mo
Today · 4.125%
HK$23,444
baseline
▲ 0.50% · 4.625%
HK$24,679
+HK$1,235/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,888/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,603 · 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).