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$11,109
−HK$697/mo
▼ 0.25% · 3.875%
HK$11,455
−HK$351/mo
Today · 4.125%
HK$11,806
baseline
▲ 0.50% · 4.625%
HK$12,524
+HK$718/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,612/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,359
−HK$668/mo
▼ 0.25% · 3.875%
HK$12,690
−HK$337/mo
Today · 4.125%
HK$13,027
baseline
▲ 0.50% · 4.625%
HK$13,713
+HK$686/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,054/mo (50% DSR)
Upfront cash ≈ HK$2.54M (deposit + AVD stamp duty HK$104,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,331
−HK$836/mo
▼ 0.25% · 3.875%
HK$13,746
−HK$421/mo
Today · 4.125%
HK$14,167
baseline
▲ 0.50% · 4.625%
HK$15,029
+HK$862/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$28,334/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,831
−HK$801/mo
▼ 0.25% · 3.875%
HK$15,229
−HK$403/mo
Today · 4.125%
HK$15,632
baseline
▲ 0.50% · 4.625%
HK$16,456
+HK$824/mo
Deposit HK$1.95M · loan HK$2.92M · min. income ≈ HK$31,264/mo (50% DSR)
Upfront cash ≈ HK$2.05M (deposit + AVD stamp duty HK$104,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,553
−HK$975/mo
▼ 0.25% · 3.875%
HK$16,037
−HK$491/mo
Today · 4.125%
HK$16,528
baseline
▲ 0.50% · 4.625%
HK$17,534
+HK$1,006/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$33,056/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,303
−HK$934/mo
▼ 0.25% · 3.875%
HK$17,767
−HK$470/mo
Today · 4.125%
HK$18,237
baseline
▲ 0.50% · 4.625%
HK$19,199
+HK$962/mo
Deposit HK$1.46M · loan HK$3.41M · min. income ≈ HK$36,474/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$104,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,997
−HK$1,254/mo
▼ 0.25% · 3.875%
HK$20,619
−HK$632/mo
Today · 4.125%
HK$21,251
baseline
▲ 0.50% · 4.625%
HK$22,544
+HK$1,293/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$42,502/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,696 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,246
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$22,843
−HK$605/mo
Today · 4.125%
HK$23,448
baseline
▲ 0.50% · 4.625%
HK$24,684
+HK$1,236/mo
Deposit HK$487K · loan HK$4.38M · min. income ≈ HK$46,896/mo (50% DSR)
Upfront cash ≈ HK$592K (deposit + AVD stamp duty HK$104,696 · 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).