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$11,152
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,499
−HK$352/mo
Today · 4.125%
HK$11,851
baseline
▲ 0.50% · 4.625%
HK$12,572
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,702/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,406
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,739
−HK$337/mo
Today · 4.125%
HK$13,076
baseline
▲ 0.50% · 4.625%
HK$13,766
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,152/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,382
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,798
−HK$423/mo
Today · 4.125%
HK$14,221
baseline
▲ 0.50% · 4.625%
HK$15,087
+HK$866/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,442/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,287
−HK$405/mo
Today · 4.125%
HK$15,692
baseline
▲ 0.50% · 4.625%
HK$16,519
+HK$827/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,384/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,612
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,098
−HK$493/mo
Today · 4.125%
HK$16,591
baseline
▲ 0.50% · 4.625%
HK$17,601
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,182/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,369
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,835
−HK$472/mo
Today · 4.125%
HK$18,307
baseline
▲ 0.50% · 4.625%
HK$19,272
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,614/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,073
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,698
−HK$634/mo
Today · 4.125%
HK$21,332
baseline
▲ 0.50% · 4.625%
HK$22,630
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,664/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,331
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,930
−HK$608/mo
Today · 4.125%
HK$23,538
baseline
▲ 0.50% · 4.625%
HK$24,778
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,076/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,557 · 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).