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$11,138
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,484
−HK$352/mo
Today · 4.125%
HK$11,836
baseline
▲ 0.50% · 4.625%
HK$12,556
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,672/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,391
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,723
−HK$337/mo
Today · 4.125%
HK$13,060
baseline
▲ 0.50% · 4.625%
HK$13,748
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,120/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,365
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,781
−HK$422/mo
Today · 4.125%
HK$14,203
baseline
▲ 0.50% · 4.625%
HK$15,068
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,406/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,869
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$404/mo
Today · 4.125%
HK$15,672
baseline
▲ 0.50% · 4.625%
HK$16,498
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,344/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,593
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,078
−HK$493/mo
Today · 4.125%
HK$16,571
baseline
▲ 0.50% · 4.625%
HK$17,579
+HK$1,008/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,142/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,347
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,812
−HK$472/mo
Today · 4.125%
HK$18,284
baseline
▲ 0.50% · 4.625%
HK$19,248
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,568/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,048
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,672
−HK$633/mo
Today · 4.125%
HK$21,305
baseline
▲ 0.50% · 4.625%
HK$22,601
+HK$1,296/mo
Deposit HK$488K · loan HK$4.40M · min. income ≈ HK$42,610/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,303
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,901
−HK$607/mo
Today · 4.125%
HK$23,508
baseline
▲ 0.50% · 4.625%
HK$24,747
+HK$1,239/mo
Deposit HK$488K · loan HK$4.40M · min. income ≈ HK$47,016/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,942 · 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).