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$11,137
−HK$698/mo
▼ 0.25% · 3.875%
HK$11,483
−HK$352/mo
Today · 4.125%
HK$11,835
baseline
▲ 0.50% · 4.625%
HK$12,555
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,670/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,390
−HK$669/mo
▼ 0.25% · 3.875%
HK$12,722
−HK$337/mo
Today · 4.125%
HK$13,059
baseline
▲ 0.50% · 4.625%
HK$13,747
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,118/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,364
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,780
−HK$422/mo
Today · 4.125%
HK$14,202
baseline
▲ 0.50% · 4.625%
HK$15,066
+HK$864/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,404/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,868
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,266
−HK$405/mo
Today · 4.125%
HK$15,671
baseline
▲ 0.50% · 4.625%
HK$16,497
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,342/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,592
−HK$977/mo
▼ 0.25% · 3.875%
HK$16,077
−HK$492/mo
Today · 4.125%
HK$16,569
baseline
▲ 0.50% · 4.625%
HK$17,577
+HK$1,008/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,138/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,345
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,811
−HK$472/mo
Today · 4.125%
HK$18,283
baseline
▲ 0.50% · 4.625%
HK$19,246
+HK$963/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,566/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,046
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,670
−HK$633/mo
Today · 4.125%
HK$21,303
baseline
▲ 0.50% · 4.625%
HK$22,600
+HK$1,297/mo
Deposit HK$488K · loan HK$4.40M · min. income ≈ HK$42,606/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,301
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,899
−HK$607/mo
Today · 4.125%
HK$23,506
baseline
▲ 0.50% · 4.625%
HK$24,745
+HK$1,239/mo
Deposit HK$488K · loan HK$4.40M · min. income ≈ HK$47,012/mo (50% DSR)
Upfront cash ≈ HK$594K (deposit + AVD stamp duty HK$105,903 · 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).