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$700/mo
▼ 0.25% · 3.875%
HK$11,502
−HK$353/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,576
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,710/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,410
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,743
−HK$337/mo
Today · 4.125%
HK$13,080
baseline
▲ 0.50% · 4.625%
HK$13,770
+HK$690/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$106,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,386
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$423/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$15,091
+HK$865/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,892
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,291
−HK$406/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,524
+HK$827/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,394/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,617
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,103
−HK$494/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,606
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,374
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,840
−HK$473/mo
Today · 4.125%
HK$18,313
baseline
▲ 0.50% · 4.625%
HK$19,278
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,626/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,079
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,704
−HK$634/mo
Today · 4.125%
HK$21,338
baseline
▲ 0.50% · 4.625%
HK$22,637
+HK$1,299/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,676/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,706 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,338
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,937
−HK$608/mo
Today · 4.125%
HK$23,545
baseline
▲ 0.50% · 4.625%
HK$24,786
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,090/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,706 · 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).