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$11,244
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,594
−HK$355/mo
Today · 4.125%
HK$11,949
baseline
▲ 0.50% · 4.625%
HK$12,676
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,898/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,509
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,844
−HK$341/mo
Today · 4.125%
HK$13,185
baseline
▲ 0.50% · 4.625%
HK$13,880
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,370/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,493
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,912
−HK$427/mo
Today · 4.125%
HK$14,339
baseline
▲ 0.50% · 4.625%
HK$15,211
+HK$872/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,678/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,011
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$409/mo
Today · 4.125%
HK$15,822
baseline
▲ 0.50% · 4.625%
HK$16,656
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,644/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,742
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,231
−HK$498/mo
Today · 4.125%
HK$16,729
baseline
▲ 0.50% · 4.625%
HK$17,747
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,458/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,512
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,982
−HK$476/mo
Today · 4.125%
HK$18,458
baseline
▲ 0.50% · 4.625%
HK$19,431
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,916/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,239
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,869
−HK$639/mo
Today · 4.125%
HK$21,508
baseline
▲ 0.50% · 4.625%
HK$22,817
+HK$1,309/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,016/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,516
−HK$1,216/mo
▼ 0.25% · 3.875%
HK$23,120
−HK$612/mo
Today · 4.125%
HK$23,732
baseline
▲ 0.50% · 4.625%
HK$24,983
+HK$1,251/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,464/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,602 · 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).