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$11,134
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,480
−HK$352/mo
Today · 4.125%
HK$11,832
baseline
▲ 0.50% · 4.625%
HK$12,552
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,664/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,386
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,719
−HK$337/mo
Today · 4.125%
HK$13,056
baseline
▲ 0.50% · 4.625%
HK$13,744
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,112/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,361
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,776
−HK$422/mo
Today · 4.125%
HK$14,198
baseline
▲ 0.50% · 4.625%
HK$15,062
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,396/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,864
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,262
−HK$405/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,492
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,334/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,587
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,072
−HK$493/mo
Today · 4.125%
HK$16,565
baseline
▲ 0.50% · 4.625%
HK$17,573
+HK$1,008/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$33,130/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,341
−HK$937/mo
▼ 0.25% · 3.875%
HK$17,806
−HK$472/mo
Today · 4.125%
HK$18,278
baseline
▲ 0.50% · 4.625%
HK$19,241
+HK$963/mo
Deposit HK$1.46M · loan HK$3.42M · min. income ≈ HK$36,556/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,041
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,664
−HK$634/mo
Today · 4.125%
HK$21,298
baseline
▲ 0.50% · 4.625%
HK$22,594
+HK$1,296/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,596/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,295
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,893
−HK$607/mo
Today · 4.125%
HK$23,500
baseline
▲ 0.50% · 4.625%
HK$24,739
+HK$1,239/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$47,000/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,773 · 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).