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$11,166
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,513
−HK$353/mo
Today · 4.125%
HK$11,866
baseline
▲ 0.50% · 4.625%
HK$12,588
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,732/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,422
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,755
−HK$338/mo
Today · 4.125%
HK$13,093
baseline
▲ 0.50% · 4.625%
HK$13,783
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,186/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,399
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,816
−HK$424/mo
Today · 4.125%
HK$14,240
baseline
▲ 0.50% · 4.625%
HK$15,106
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,480/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,907
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,306
−HK$406/mo
Today · 4.125%
HK$15,712
baseline
▲ 0.50% · 4.625%
HK$16,540
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,424/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,632
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,119
−HK$494/mo
Today · 4.125%
HK$16,613
baseline
▲ 0.50% · 4.625%
HK$17,624
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,226/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,391
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,857
−HK$474/mo
Today · 4.125%
HK$18,331
baseline
▲ 0.50% · 4.625%
HK$19,297
+HK$966/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,662/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,099
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,724
−HK$635/mo
Today · 4.125%
HK$21,359
baseline
▲ 0.50% · 4.625%
HK$22,659
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,718/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,184 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,360
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,959
−HK$609/mo
Today · 4.125%
HK$23,568
baseline
▲ 0.50% · 4.625%
HK$24,810
+HK$1,242/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,136/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,184 · 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).