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$11,182
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,529
−HK$354/mo
Today · 4.125%
HK$11,883
baseline
▲ 0.50% · 4.625%
HK$12,606
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,766/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,439
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,773
−HK$339/mo
Today · 4.125%
HK$13,112
baseline
▲ 0.50% · 4.625%
HK$13,803
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,224/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,418
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,835
−HK$424/mo
Today · 4.125%
HK$14,259
baseline
▲ 0.50% · 4.625%
HK$15,127
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,518/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,927
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,328
−HK$406/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,563
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,468/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,654
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,141
−HK$495/mo
Today · 4.125%
HK$16,636
baseline
▲ 0.50% · 4.625%
HK$17,648
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,272/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,415
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,882
−HK$474/mo
Today · 4.125%
HK$18,356
baseline
▲ 0.50% · 4.625%
HK$19,324
+HK$968/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,712/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,127
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,753
−HK$636/mo
Today · 4.125%
HK$21,389
baseline
▲ 0.50% · 4.625%
HK$22,691
+HK$1,302/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,778/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,391
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,992
−HK$609/mo
Today · 4.125%
HK$23,601
baseline
▲ 0.50% · 4.625%
HK$24,845
+HK$1,244/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,202/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,868 · 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).