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$11,154
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,501
−HK$352/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,706/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,409
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$338/mo
Today · 4.125%
HK$13,079
baseline
▲ 0.50% · 4.625%
HK$13,768
+HK$689/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,158/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,385
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,801
−HK$423/mo
Today · 4.125%
HK$14,224
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$866/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,448/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,890
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$405/mo
Today · 4.125%
HK$15,695
baseline
▲ 0.50% · 4.625%
HK$16,522
+HK$827/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,390/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,616
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,101
−HK$494/mo
Today · 4.125%
HK$16,595
baseline
▲ 0.50% · 4.625%
HK$17,604
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,190/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,372
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,838
−HK$473/mo
Today · 4.125%
HK$18,311
baseline
▲ 0.50% · 4.625%
HK$19,276
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,622/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,077
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,702
−HK$634/mo
Today · 4.125%
HK$21,336
baseline
▲ 0.50% · 4.625%
HK$22,634
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,672/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,336
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$22,935
−HK$607/mo
Today · 4.125%
HK$23,542
baseline
▲ 0.50% · 4.625%
HK$24,783
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,084/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,653 · 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).