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$11,153
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,500
−HK$353/mo
Today · 4.125%
HK$11,853
baseline
▲ 0.50% · 4.625%
HK$12,574
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,706/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,408
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,741
−HK$337/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,768
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,156/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,384
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,800
−HK$423/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$15,089
+HK$866/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,446/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,889
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,289
−HK$405/mo
Today · 4.125%
HK$15,694
baseline
▲ 0.50% · 4.625%
HK$16,521
+HK$827/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,388/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,615
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$494/mo
Today · 4.125%
HK$16,594
baseline
▲ 0.50% · 4.625%
HK$17,603
+HK$1,009/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,188/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,371
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,837
−HK$473/mo
Today · 4.125%
HK$18,310
baseline
▲ 0.50% · 4.625%
HK$19,275
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,620/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,076
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,700
−HK$635/mo
Today · 4.125%
HK$21,335
baseline
▲ 0.50% · 4.625%
HK$22,633
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,670/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,622 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,334
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,933
−HK$608/mo
Today · 4.125%
HK$23,541
baseline
▲ 0.50% · 4.625%
HK$24,782
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,082/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,622 · 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).