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$11,143
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,489
−HK$352/mo
Today · 4.125%
HK$11,841
baseline
▲ 0.50% · 4.625%
HK$12,562
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,682/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,396
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,728
−HK$338/mo
Today · 4.125%
HK$13,066
baseline
▲ 0.50% · 4.625%
HK$13,754
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,132/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,371
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,787
−HK$423/mo
Today · 4.125%
HK$14,210
baseline
▲ 0.50% · 4.625%
HK$15,074
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,420/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,875
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,274
−HK$405/mo
Today · 4.125%
HK$15,679
baseline
▲ 0.50% · 4.625%
HK$16,505
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,358/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,600
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,085
−HK$493/mo
Today · 4.125%
HK$16,578
baseline
▲ 0.50% · 4.625%
HK$17,587
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,156/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,354
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,820
−HK$472/mo
Today · 4.125%
HK$18,292
baseline
▲ 0.50% · 4.625%
HK$19,256
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,584/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,057
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,681
−HK$633/mo
Today · 4.125%
HK$21,314
baseline
▲ 0.50% · 4.625%
HK$22,611
+HK$1,297/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,628/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,313
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,911
−HK$607/mo
Today · 4.125%
HK$23,518
baseline
▲ 0.50% · 4.625%
HK$24,758
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,036/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,156 · 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).