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$11,174
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,521
−HK$353/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,597
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,748/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,431
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$338/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,793
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,204/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,409
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,826
−HK$423/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,116
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,498/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,917
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,317
−HK$406/mo
Today · 4.125%
HK$15,723
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,446/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,643
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,130
−HK$494/mo
Today · 4.125%
HK$16,624
baseline
▲ 0.50% · 4.625%
HK$17,636
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,248/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,403
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,870
−HK$473/mo
Today · 4.125%
HK$18,343
baseline
▲ 0.50% · 4.625%
HK$19,310
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,686/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,113
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,738
−HK$636/mo
Today · 4.125%
HK$21,374
baseline
▲ 0.50% · 4.625%
HK$22,675
+HK$1,301/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,748/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,524 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,375
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,975
−HK$609/mo
Today · 4.125%
HK$23,584
baseline
▲ 0.50% · 4.625%
HK$24,827
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,168/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,524 · 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).