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$11,180
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,528
−HK$353/mo
Today · 4.125%
HK$11,881
baseline
▲ 0.50% · 4.625%
HK$12,604
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,762/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,438
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,771
−HK$339/mo
Today · 4.125%
HK$13,110
baseline
▲ 0.50% · 4.625%
HK$13,801
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,220/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,416
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,834
−HK$424/mo
Today · 4.125%
HK$14,258
baseline
▲ 0.50% · 4.625%
HK$15,125
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,516/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,925
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,326
−HK$406/mo
Today · 4.125%
HK$15,732
baseline
▲ 0.50% · 4.625%
HK$16,561
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,464/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,652
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,139
−HK$495/mo
Today · 4.125%
HK$16,634
baseline
▲ 0.50% · 4.625%
HK$17,646
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,268/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,413
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,880
−HK$474/mo
Today · 4.125%
HK$18,354
baseline
▲ 0.50% · 4.625%
HK$19,321
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,708/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,124
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,750
−HK$636/mo
Today · 4.125%
HK$21,386
baseline
▲ 0.50% · 4.625%
HK$22,688
+HK$1,302/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,772/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,388
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,989
−HK$609/mo
Today · 4.125%
HK$23,598
baseline
▲ 0.50% · 4.625%
HK$24,842
+HK$1,244/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,196/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,805 · 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).