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$11,139
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,486
−HK$352/mo
Today · 4.125%
HK$11,838
baseline
▲ 0.50% · 4.625%
HK$12,558
+HK$720/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$23,676/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,392
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,725
−HK$337/mo
Today · 4.125%
HK$13,062
baseline
▲ 0.50% · 4.625%
HK$13,750
+HK$688/mo
Deposit HK$2.44M · loan HK$2.44M · min. income ≈ HK$26,124/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,367
−HK$838/mo
▼ 0.25% · 3.875%
HK$13,783
−HK$422/mo
Today · 4.125%
HK$14,205
baseline
▲ 0.50% · 4.625%
HK$15,070
+HK$865/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$28,410/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,871
−HK$803/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$404/mo
Today · 4.125%
HK$15,674
baseline
▲ 0.50% · 4.625%
HK$16,500
+HK$826/mo
Deposit HK$1.95M · loan HK$2.93M · min. income ≈ HK$31,348/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,595
−HK$978/mo
▼ 0.25% · 3.875%
HK$16,080
−HK$493/mo
Today · 4.125%
HK$16,573
baseline
▲ 0.50% · 4.625%
HK$17,581
+HK$1,008/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,146/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,349
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,814
−HK$473/mo
Today · 4.125%
HK$18,287
baseline
▲ 0.50% · 4.625%
HK$19,250
+HK$963/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,574/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,051
−HK$1,257/mo
▼ 0.25% · 3.875%
HK$20,674
−HK$634/mo
Today · 4.125%
HK$21,308
baseline
▲ 0.50% · 4.625%
HK$22,605
+HK$1,297/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,616/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,306
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$22,904
−HK$607/mo
Today · 4.125%
HK$23,511
baseline
▲ 0.50% · 4.625%
HK$24,751
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,022/mo (50% DSR)
Upfront cash ≈ HK$595K (deposit + AVD stamp duty HK$106,008 · 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).