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$11,113
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,459
−HK$351/mo
Today · 4.125%
HK$11,810
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,620/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,363
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,695
−HK$336/mo
Today · 4.125%
HK$13,031
baseline
▲ 0.50% · 4.625%
HK$13,718
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,062/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,336
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$421/mo
Today · 4.125%
HK$14,172
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$863/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,344/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,836
−HK$802/mo
▼ 0.25% · 3.875%
HK$15,234
−HK$404/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,462
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,559
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,043
−HK$491/mo
Today · 4.125%
HK$16,534
baseline
▲ 0.50% · 4.625%
HK$17,540
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,068/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,309
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,773
−HK$471/mo
Today · 4.125%
HK$18,244
baseline
▲ 0.50% · 4.625%
HK$19,206
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,488/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,004
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,626
−HK$632/mo
Today · 4.125%
HK$21,258
baseline
▲ 0.50% · 4.625%
HK$22,552
+HK$1,294/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,516/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,254
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,851
−HK$606/mo
Today · 4.125%
HK$23,457
baseline
▲ 0.50% · 4.625%
HK$24,693
+HK$1,236/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,914/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,871 · 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).