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$11,128
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,474
−HK$351/mo
Today · 4.125%
HK$11,825
baseline
▲ 0.50% · 4.625%
HK$12,545
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,650/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,379
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,711
−HK$337/mo
Today · 4.125%
HK$13,048
baseline
▲ 0.50% · 4.625%
HK$13,736
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,096/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,353
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,769
−HK$422/mo
Today · 4.125%
HK$14,191
baseline
▲ 0.50% · 4.625%
HK$15,054
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,382/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,855
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$404/mo
Today · 4.125%
HK$15,658
baseline
▲ 0.50% · 4.625%
HK$16,483
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,316/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,579
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,063
−HK$493/mo
Today · 4.125%
HK$16,556
baseline
▲ 0.50% · 4.625%
HK$17,563
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,112/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,331
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,796
−HK$472/mo
Today · 4.125%
HK$18,268
baseline
▲ 0.50% · 4.625%
HK$19,230
+HK$962/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,536/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,030
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,653
−HK$633/mo
Today · 4.125%
HK$21,286
baseline
▲ 0.50% · 4.625%
HK$22,581
+HK$1,295/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,572/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,283
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$22,881
−HK$606/mo
Today · 4.125%
HK$23,487
baseline
▲ 0.50% · 4.625%
HK$24,725
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,974/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,502 · 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).