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$11,122
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,468
−HK$351/mo
Today · 4.125%
HK$11,819
baseline
▲ 0.50% · 4.625%
HK$12,538
+HK$719/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,638/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,373
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,705
−HK$336/mo
Today · 4.125%
HK$13,041
baseline
▲ 0.50% · 4.625%
HK$13,729
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,082/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,346
−HK$837/mo
▼ 0.25% · 3.875%
HK$13,761
−HK$422/mo
Today · 4.125%
HK$14,183
baseline
▲ 0.50% · 4.625%
HK$15,046
+HK$863/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,366/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,847
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$404/mo
Today · 4.125%
HK$15,650
baseline
▲ 0.50% · 4.625%
HK$16,475
+HK$825/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,300/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,571
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,055
−HK$492/mo
Today · 4.125%
HK$16,547
baseline
▲ 0.50% · 4.625%
HK$17,554
+HK$1,007/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,094/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,322
−HK$936/mo
▼ 0.25% · 3.875%
HK$17,787
−HK$471/mo
Today · 4.125%
HK$18,258
baseline
▲ 0.50% · 4.625%
HK$19,220
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,516/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,019
−HK$1,256/mo
▼ 0.25% · 3.875%
HK$20,642
−HK$633/mo
Today · 4.125%
HK$21,275
baseline
▲ 0.50% · 4.625%
HK$22,569
+HK$1,294/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$42,550/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,271
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,868
−HK$606/mo
Today · 4.125%
HK$23,474
baseline
▲ 0.50% · 4.625%
HK$24,712
+HK$1,238/mo
Deposit HK$488K · loan HK$4.39M · min. income ≈ HK$46,948/mo (50% DSR)
Upfront cash ≈ HK$593K (deposit + AVD stamp duty HK$105,243 · 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).