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$11,194
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$354/mo
Today · 4.125%
HK$11,896
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,792/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,787
−HK$339/mo
Today · 4.125%
HK$13,126
baseline
▲ 0.50% · 4.625%
HK$13,817
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,252/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,432
−HK$843/mo
▼ 0.25% · 3.875%
HK$13,850
−HK$425/mo
Today · 4.125%
HK$14,275
baseline
▲ 0.50% · 4.625%
HK$15,143
+HK$868/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,550/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,943
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$407/mo
Today · 4.125%
HK$15,751
baseline
▲ 0.50% · 4.625%
HK$16,581
+HK$830/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,502/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,671
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$496/mo
Today · 4.125%
HK$16,654
baseline
▲ 0.50% · 4.625%
HK$17,667
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,308/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,434
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,901
−HK$475/mo
Today · 4.125%
HK$18,376
baseline
▲ 0.50% · 4.625%
HK$19,344
+HK$968/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,752/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,775
−HK$637/mo
Today · 4.125%
HK$21,412
baseline
▲ 0.50% · 4.625%
HK$22,715
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,824/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,415
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,016
−HK$610/mo
Today · 4.125%
HK$23,626
baseline
▲ 0.50% · 4.625%
HK$24,871
+HK$1,245/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,252/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,392 · 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).