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$11,131
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,477
−HK$352/mo
Today · 4.125%
HK$11,829
baseline
▲ 0.50% · 4.625%
HK$12,548
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,658/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,383
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,715
−HK$337/mo
Today · 4.125%
HK$13,052
baseline
▲ 0.50% · 4.625%
HK$13,740
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,104/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,357
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,772
−HK$422/mo
Today · 4.125%
HK$14,194
baseline
▲ 0.50% · 4.625%
HK$15,058
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,388/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,859
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$404/mo
Today · 4.125%
HK$15,662
baseline
▲ 0.50% · 4.625%
HK$16,487
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,324/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,583
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,067
−HK$493/mo
Today · 4.125%
HK$16,560
baseline
▲ 0.50% · 4.625%
HK$17,568
+HK$1,008/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,120/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,336
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,801
−HK$471/mo
Today · 4.125%
HK$18,272
baseline
▲ 0.50% · 4.625%
HK$19,235
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,544/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,035
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,658
−HK$633/mo
Today · 4.125%
HK$21,291
baseline
▲ 0.50% · 4.625%
HK$22,587
+HK$1,296/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,582/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,289
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,886
−HK$607/mo
Today · 4.125%
HK$23,493
baseline
▲ 0.50% · 4.625%
HK$24,731
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,986/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,627 · 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).