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$11,185
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,533
−HK$354/mo
Today · 4.125%
HK$11,887
baseline
▲ 0.50% · 4.625%
HK$12,610
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,774/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,443
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,777
−HK$339/mo
Today · 4.125%
HK$13,116
baseline
▲ 0.50% · 4.625%
HK$13,807
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,232/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,422
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,840
−HK$424/mo
Today · 4.125%
HK$14,264
baseline
▲ 0.50% · 4.625%
HK$15,132
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,528/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,932
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,333
−HK$406/mo
Today · 4.125%
HK$15,739
baseline
▲ 0.50% · 4.625%
HK$16,569
+HK$830/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,478/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,659
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,146
−HK$495/mo
Today · 4.125%
HK$16,641
baseline
▲ 0.50% · 4.625%
HK$17,654
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,282/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,421
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,888
−HK$474/mo
Today · 4.125%
HK$18,362
baseline
▲ 0.50% · 4.625%
HK$19,330
+HK$968/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,724/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,133
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,760
−HK$636/mo
Today · 4.125%
HK$21,396
baseline
▲ 0.50% · 4.625%
HK$22,698
+HK$1,302/mo
Deposit HK$491K · loan HK$4.41M · min. income ≈ HK$42,792/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,398
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,999
−HK$609/mo
Today · 4.125%
HK$23,608
baseline
▲ 0.50% · 4.625%
HK$24,853
+HK$1,245/mo
Deposit HK$491K · loan HK$4.41M · min. income ≈ HK$47,216/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,027 · 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).