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$11,191
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,539
−HK$353/mo
Today · 4.125%
HK$11,892
baseline
▲ 0.50% · 4.625%
HK$12,616
+HK$724/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,784/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,449
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,783
−HK$339/mo
Today · 4.125%
HK$13,122
baseline
▲ 0.50% · 4.625%
HK$13,814
+HK$692/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,244/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,429
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,846
−HK$425/mo
Today · 4.125%
HK$14,271
baseline
▲ 0.50% · 4.625%
HK$15,139
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,542/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,939
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,340
−HK$406/mo
Today · 4.125%
HK$15,746
baseline
▲ 0.50% · 4.625%
HK$16,576
+HK$830/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,492/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,667
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,154
−HK$495/mo
Today · 4.125%
HK$16,649
baseline
▲ 0.50% · 4.625%
HK$17,662
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,298/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,429
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,896
−HK$475/mo
Today · 4.125%
HK$18,371
baseline
▲ 0.50% · 4.625%
HK$19,339
+HK$968/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,742/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,143
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,769
−HK$637/mo
Today · 4.125%
HK$21,406
baseline
▲ 0.50% · 4.625%
HK$22,709
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,812/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,409
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$23,010
−HK$609/mo
Today · 4.125%
HK$23,619
baseline
▲ 0.50% · 4.625%
HK$24,864
+HK$1,245/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,238/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,257 · 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).