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$11,141
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,488
−HK$352/mo
Today · 4.125%
HK$11,840
baseline
▲ 0.50% · 4.625%
HK$12,561
+HK$721/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,680/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,395
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,727
−HK$337/mo
Today · 4.125%
HK$13,064
baseline
▲ 0.50% · 4.625%
HK$13,753
+HK$689/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,128/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,370
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,786
−HK$422/mo
Today · 4.125%
HK$14,208
baseline
▲ 0.50% · 4.625%
HK$15,073
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,416/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,874
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,273
−HK$404/mo
Today · 4.125%
HK$15,677
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$827/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,354/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,598
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,083
−HK$493/mo
Today · 4.125%
HK$16,576
baseline
▲ 0.50% · 4.625%
HK$17,585
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,152/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,353
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,818
−HK$472/mo
Today · 4.125%
HK$18,290
baseline
▲ 0.50% · 4.625%
HK$19,254
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,580/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,055
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,678
−HK$634/mo
Today · 4.125%
HK$21,312
baseline
▲ 0.50% · 4.625%
HK$22,609
+HK$1,297/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,624/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,311
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,909
−HK$607/mo
Today · 4.125%
HK$23,516
baseline
▲ 0.50% · 4.625%
HK$24,756
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,032/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,107 · 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).