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$11,193
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,541
−HK$354/mo
Today · 4.125%
HK$11,895
baseline
▲ 0.50% · 4.625%
HK$12,619
+HK$724/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,790/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,452
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,786
−HK$339/mo
Today · 4.125%
HK$13,125
baseline
▲ 0.50% · 4.625%
HK$13,817
+HK$692/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,250/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,432
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,850
−HK$424/mo
Today · 4.125%
HK$14,274
baseline
▲ 0.50% · 4.625%
HK$15,143
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,548/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,943
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$406/mo
Today · 4.125%
HK$15,750
baseline
▲ 0.50% · 4.625%
HK$16,580
+HK$830/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,500/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,670
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,158
−HK$495/mo
Today · 4.125%
HK$16,653
baseline
▲ 0.50% · 4.625%
HK$17,666
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,306/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,433
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,901
−HK$474/mo
Today · 4.125%
HK$18,375
baseline
▲ 0.50% · 4.625%
HK$19,344
+HK$969/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,750/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,148
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,774
−HK$637/mo
Today · 4.125%
HK$21,411
baseline
▲ 0.50% · 4.625%
HK$22,714
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,822/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,414
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,015
−HK$610/mo
Today · 4.125%
HK$23,625
baseline
▲ 0.50% · 4.625%
HK$24,870
+HK$1,245/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,250/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,375 · 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).