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$11,194
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,542
−HK$354/mo
Today · 4.125%
HK$11,896
baseline
▲ 0.50% · 4.625%
HK$12,620
+HK$724/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,792/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,453
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,787
−HK$339/mo
Today · 4.125%
HK$13,126
baseline
▲ 0.50% · 4.625%
HK$13,818
+HK$692/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,252/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,433
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,851
−HK$424/mo
Today · 4.125%
HK$14,275
baseline
▲ 0.50% · 4.625%
HK$15,144
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,550/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,944
−HK$808/mo
▼ 0.25% · 3.875%
HK$15,345
−HK$407/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,582
+HK$830/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,672
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,159
−HK$496/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,668
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,435
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,902
−HK$475/mo
Today · 4.125%
HK$18,377
baseline
▲ 0.50% · 4.625%
HK$19,345
+HK$968/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,754/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,776
−HK$637/mo
Today · 4.125%
HK$21,413
baseline
▲ 0.50% · 4.625%
HK$22,716
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,826/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,419 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,416
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,017
−HK$610/mo
Today · 4.125%
HK$23,627
baseline
▲ 0.50% · 4.625%
HK$24,873
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,254/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,419 · 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).