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$11,179
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,527
−HK$353/mo
Today · 4.125%
HK$11,880
baseline
▲ 0.50% · 4.625%
HK$12,603
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,760/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,436
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,770
−HK$338/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,216/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,415
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,832
−HK$424/mo
Today · 4.125%
HK$14,256
baseline
▲ 0.50% · 4.625%
HK$15,123
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,512/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,924
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,324
−HK$406/mo
Today · 4.125%
HK$15,730
baseline
▲ 0.50% · 4.625%
HK$16,559
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,460/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,651
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,137
−HK$495/mo
Today · 4.125%
HK$16,632
baseline
▲ 0.50% · 4.625%
HK$17,644
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,264/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,411
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,878
−HK$474/mo
Today · 4.125%
HK$18,352
baseline
▲ 0.50% · 4.625%
HK$19,319
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,704/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,122
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,748
−HK$636/mo
Today · 4.125%
HK$21,384
baseline
▲ 0.50% · 4.625%
HK$22,685
+HK$1,301/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,768/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,750 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,386
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,986
−HK$609/mo
Today · 4.125%
HK$23,595
baseline
▲ 0.50% · 4.625%
HK$24,839
+HK$1,244/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,190/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,750 · 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).