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$11,155
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$352/mo
Today · 4.125%
HK$11,854
baseline
▲ 0.50% · 4.625%
HK$12,575
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,708/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,409
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,742
−HK$338/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,769
+HK$689/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,160/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,386
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,802
−HK$423/mo
Today · 4.125%
HK$14,225
baseline
▲ 0.50% · 4.625%
HK$15,090
+HK$865/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,450/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,891
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$405/mo
Today · 4.125%
HK$15,696
baseline
▲ 0.50% · 4.625%
HK$16,523
+HK$827/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,392/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,616
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,102
−HK$494/mo
Today · 4.125%
HK$16,596
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,192/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,373
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,839
−HK$473/mo
Today · 4.125%
HK$18,312
baseline
▲ 0.50% · 4.625%
HK$19,277
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,624/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,078
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,703
−HK$634/mo
Today · 4.125%
HK$21,337
baseline
▲ 0.50% · 4.625%
HK$22,636
+HK$1,299/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,674/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,337
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,936
−HK$608/mo
Today · 4.125%
HK$23,544
baseline
▲ 0.50% · 4.625%
HK$24,785
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,088/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,682 · 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).