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$11,157
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,504
−HK$353/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,578
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,714/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,412
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,745
−HK$338/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,772
+HK$689/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,166/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,388
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,805
−HK$423/mo
Today · 4.125%
HK$14,228
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,456/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,894
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,294
−HK$405/mo
Today · 4.125%
HK$15,699
baseline
▲ 0.50% · 4.625%
HK$16,527
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,398/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,620
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$493/mo
Today · 4.125%
HK$16,599
baseline
▲ 0.50% · 4.625%
HK$17,609
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,198/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,377
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,843
−HK$473/mo
Today · 4.125%
HK$18,316
baseline
▲ 0.50% · 4.625%
HK$19,281
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,632/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,082
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,707
−HK$635/mo
Today · 4.125%
HK$21,342
baseline
▲ 0.50% · 4.625%
HK$22,640
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,684/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,342
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,941
−HK$608/mo
Today · 4.125%
HK$23,549
baseline
▲ 0.50% · 4.625%
HK$24,790
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,098/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,784 · 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).