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$11,114
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,460
−HK$351/mo
Today · 4.125%
HK$11,811
baseline
▲ 0.50% · 4.625%
HK$12,529
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,622/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,364
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,696
−HK$336/mo
Today · 4.125%
HK$13,032
baseline
▲ 0.50% · 4.625%
HK$13,719
+HK$687/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,064/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,337
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,751
−HK$422/mo
Today · 4.125%
HK$14,173
baseline
▲ 0.50% · 4.625%
HK$15,035
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,346/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,837
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,235
−HK$403/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,463
+HK$825/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$104,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,559
−HK$976/mo
▼ 0.25% · 3.875%
HK$16,043
−HK$492/mo
Today · 4.125%
HK$16,535
baseline
▲ 0.50% · 4.625%
HK$17,541
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,070/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,310
−HK$935/mo
▼ 0.25% · 3.875%
HK$17,774
−HK$471/mo
Today · 4.125%
HK$18,245
baseline
▲ 0.50% · 4.625%
HK$19,207
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,490/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,005
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,627
−HK$632/mo
Today · 4.125%
HK$21,259
baseline
▲ 0.50% · 4.625%
HK$22,553
+HK$1,294/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$42,518/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,896 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,255
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$22,852
−HK$606/mo
Today · 4.125%
HK$23,458
baseline
▲ 0.50% · 4.625%
HK$24,694
+HK$1,236/mo
Deposit HK$487K · loan HK$4.39M · min. income ≈ HK$46,916/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,896 · 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).