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$11,132
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,479
−HK$351/mo
Today · 4.125%
HK$11,830
baseline
▲ 0.50% · 4.625%
HK$12,550
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,660/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,385
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,717
−HK$337/mo
Today · 4.125%
HK$13,054
baseline
▲ 0.50% · 4.625%
HK$13,742
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,108/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,359
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,774
−HK$423/mo
Today · 4.125%
HK$14,197
baseline
▲ 0.50% · 4.625%
HK$15,060
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,394/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,862
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,260
−HK$405/mo
Today · 4.125%
HK$15,665
baseline
▲ 0.50% · 4.625%
HK$16,490
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,330/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,585
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,070
−HK$493/mo
Today · 4.125%
HK$16,563
baseline
▲ 0.50% · 4.625%
HK$17,570
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,126/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,339
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,804
−HK$471/mo
Today · 4.125%
HK$18,275
baseline
▲ 0.50% · 4.625%
HK$19,239
+HK$964/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,550/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,038
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,662
−HK$633/mo
Today · 4.125%
HK$21,295
baseline
▲ 0.50% · 4.625%
HK$22,591
+HK$1,296/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,590/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,708 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,292
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,890
−HK$607/mo
Today · 4.125%
HK$23,497
baseline
▲ 0.50% · 4.625%
HK$24,735
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,994/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,708 · 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).