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$11,171
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,518
−HK$353/mo
Today · 4.125%
HK$11,871
baseline
▲ 0.50% · 4.625%
HK$12,593
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,742/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,427
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$339/mo
Today · 4.125%
HK$13,099
baseline
▲ 0.50% · 4.625%
HK$13,789
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,198/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,405
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,822
−HK$423/mo
Today · 4.125%
HK$14,245
baseline
▲ 0.50% · 4.625%
HK$15,112
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,490/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,913
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,313
−HK$405/mo
Today · 4.125%
HK$15,718
baseline
▲ 0.50% · 4.625%
HK$16,547
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,436/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,639
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,125
−HK$495/mo
Today · 4.125%
HK$16,620
baseline
▲ 0.50% · 4.625%
HK$17,631
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,240/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,398
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,865
−HK$473/mo
Today · 4.125%
HK$18,338
baseline
▲ 0.50% · 4.625%
HK$19,305
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,676/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,107
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,733
−HK$635/mo
Today · 4.125%
HK$21,368
baseline
▲ 0.50% · 4.625%
HK$22,668
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,736/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,369
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,969
−HK$608/mo
Today · 4.125%
HK$23,577
baseline
▲ 0.50% · 4.625%
HK$24,820
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,154/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,383 · 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).