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$11,171
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,519
−HK$353/mo
Today · 4.125%
HK$11,872
baseline
▲ 0.50% · 4.625%
HK$12,594
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,744/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,428
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,761
−HK$339/mo
Today · 4.125%
HK$13,100
baseline
▲ 0.50% · 4.625%
HK$13,790
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,200/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,406
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,823
−HK$423/mo
Today · 4.125%
HK$14,246
baseline
▲ 0.50% · 4.625%
HK$15,113
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,492/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,914
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,314
−HK$405/mo
Today · 4.125%
HK$15,719
baseline
▲ 0.50% · 4.625%
HK$16,548
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,438/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,640
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,126
−HK$495/mo
Today · 4.125%
HK$16,621
baseline
▲ 0.50% · 4.625%
HK$17,632
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,242/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,399
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,866
−HK$473/mo
Today · 4.125%
HK$18,339
baseline
▲ 0.50% · 4.625%
HK$19,306
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,678/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,109
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,734
−HK$636/mo
Today · 4.125%
HK$21,370
baseline
▲ 0.50% · 4.625%
HK$22,670
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,740/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,371
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,971
−HK$608/mo
Today · 4.125%
HK$23,579
baseline
▲ 0.50% · 4.625%
HK$24,822
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,158/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,419 · 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).