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$11,184
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,532
−HK$354/mo
Today · 4.125%
HK$11,886
baseline
▲ 0.50% · 4.625%
HK$12,609
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,772/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,443
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,776
−HK$339/mo
Today · 4.125%
HK$13,115
baseline
▲ 0.50% · 4.625%
HK$13,806
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,230/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,421
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,839
−HK$424/mo
Today · 4.125%
HK$14,263
baseline
▲ 0.50% · 4.625%
HK$15,131
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,526/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,931
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,332
−HK$406/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,567
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,658
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,145
−HK$495/mo
Today · 4.125%
HK$16,640
baseline
▲ 0.50% · 4.625%
HK$17,653
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,280/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,420
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,887
−HK$474/mo
Today · 4.125%
HK$18,361
baseline
▲ 0.50% · 4.625%
HK$19,329
+HK$968/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,722/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,132
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,758
−HK$636/mo
Today · 4.125%
HK$21,394
baseline
▲ 0.50% · 4.625%
HK$22,696
+HK$1,302/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,788/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,397
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,997
−HK$610/mo
Today · 4.125%
HK$23,607
baseline
▲ 0.50% · 4.625%
HK$24,851
+HK$1,244/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,214/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,990 · 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).