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$11,159
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,507
−HK$352/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,581
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,718/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,415
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,748
−HK$337/mo
Today · 4.125%
HK$13,085
baseline
▲ 0.50% · 4.625%
HK$13,775
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,170/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,391
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,808
−HK$423/mo
Today · 4.125%
HK$14,231
baseline
▲ 0.50% · 4.625%
HK$15,097
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,462/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,898
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,297
−HK$406/mo
Today · 4.125%
HK$15,703
baseline
▲ 0.50% · 4.625%
HK$16,530
+HK$827/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,406/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,623
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,109
−HK$494/mo
Today · 4.125%
HK$16,603
baseline
▲ 0.50% · 4.625%
HK$17,613
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,206/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$106,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,381
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,847
−HK$473/mo
Today · 4.125%
HK$18,320
baseline
▲ 0.50% · 4.625%
HK$19,285
+HK$965/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,640/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$106,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,087
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,712
−HK$635/mo
Today · 4.125%
HK$21,347
baseline
▲ 0.50% · 4.625%
HK$22,645
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,694/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,893 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,347
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,946
−HK$608/mo
Today · 4.125%
HK$23,554
baseline
▲ 0.50% · 4.625%
HK$24,795
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,108/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,893 · 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).