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$11,117
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,463
−HK$352/mo
Today · 4.125%
HK$11,815
baseline
▲ 0.50% · 4.625%
HK$12,533
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,630/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,368
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,700
−HK$336/mo
Today · 4.125%
HK$13,036
baseline
▲ 0.50% · 4.625%
HK$13,723
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,072/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,341
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,756
−HK$422/mo
Today · 4.125%
HK$14,178
baseline
▲ 0.50% · 4.625%
HK$15,040
+HK$862/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,356/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,842
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,240
−HK$403/mo
Today · 4.125%
HK$15,643
baseline
▲ 0.50% · 4.625%
HK$16,468
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,286/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,564
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,049
−HK$491/mo
Today · 4.125%
HK$16,540
baseline
▲ 0.50% · 4.625%
HK$17,547
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,080/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,315
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,780
−HK$471/mo
Today · 4.125%
HK$18,251
baseline
▲ 0.50% · 4.625%
HK$19,213
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,502/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,011
−HK$1,255/mo
▼ 0.25% · 3.875%
HK$20,634
−HK$632/mo
Today · 4.125%
HK$21,266
baseline
▲ 0.50% · 4.625%
HK$22,560
+HK$1,294/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,532/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,052 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,262
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,860
−HK$605/mo
Today · 4.125%
HK$23,465
baseline
▲ 0.50% · 4.625%
HK$24,702
+HK$1,237/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,930/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,052 · 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).