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$11,187
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,535
−HK$354/mo
Today · 4.125%
HK$11,889
baseline
▲ 0.50% · 4.625%
HK$12,612
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,778/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,446
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,780
−HK$338/mo
Today · 4.125%
HK$13,118
baseline
▲ 0.50% · 4.625%
HK$13,810
+HK$692/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,236/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,425
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,843
−HK$424/mo
Today · 4.125%
HK$14,267
baseline
▲ 0.50% · 4.625%
HK$15,135
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,534/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,935
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,336
−HK$406/mo
Today · 4.125%
HK$15,742
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$830/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,484/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,662
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,150
−HK$495/mo
Today · 4.125%
HK$16,645
baseline
▲ 0.50% · 4.625%
HK$17,657
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,290/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,424
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,892
−HK$474/mo
Today · 4.125%
HK$18,366
baseline
▲ 0.50% · 4.625%
HK$19,334
+HK$968/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,732/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,137
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,764
−HK$636/mo
Today · 4.125%
HK$21,400
baseline
▲ 0.50% · 4.625%
HK$22,702
+HK$1,302/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,800/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,123 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,403
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,004
−HK$609/mo
Today · 4.125%
HK$23,613
baseline
▲ 0.50% · 4.625%
HK$24,858
+HK$1,245/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,226/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,123 · 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).