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$11,160
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$353/mo
Today · 4.125%
HK$11,860
baseline
▲ 0.50% · 4.625%
HK$12,581
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,720/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,415
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,748
−HK$338/mo
Today · 4.125%
HK$13,086
baseline
▲ 0.50% · 4.625%
HK$13,776
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,172/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,392
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,808
−HK$423/mo
Today · 4.125%
HK$14,231
baseline
▲ 0.50% · 4.625%
HK$15,097
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,462/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,898
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$405/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,531
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,624
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,110
−HK$493/mo
Today · 4.125%
HK$16,603
baseline
▲ 0.50% · 4.625%
HK$17,614
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,206/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$106,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,381
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,847
−HK$473/mo
Today · 4.125%
HK$18,320
baseline
▲ 0.50% · 4.625%
HK$19,286
+HK$966/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,640/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$106,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,088
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,712
−HK$635/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,646
+HK$1,299/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,347
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,947
−HK$608/mo
Today · 4.125%
HK$23,555
baseline
▲ 0.50% · 4.625%
HK$24,796
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,110/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,907 · 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).