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$11,164
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,512
−HK$352/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,586
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,728/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,420
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,753
−HK$338/mo
Today · 4.125%
HK$13,091
baseline
▲ 0.50% · 4.625%
HK$13,781
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,182/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,397
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,814
−HK$423/mo
Today · 4.125%
HK$14,237
baseline
▲ 0.50% · 4.625%
HK$15,104
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,474/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,904
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$406/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,538
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,420/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,630
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,116
−HK$494/mo
Today · 4.125%
HK$16,610
baseline
▲ 0.50% · 4.625%
HK$17,621
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,220/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,388
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,855
−HK$473/mo
Today · 4.125%
HK$18,328
baseline
▲ 0.50% · 4.625%
HK$19,294
+HK$966/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,656/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,096
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,721
−HK$635/mo
Today · 4.125%
HK$21,356
baseline
▲ 0.50% · 4.625%
HK$22,656
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,712/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,356
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,956
−HK$608/mo
Today · 4.125%
HK$23,564
baseline
▲ 0.50% · 4.625%
HK$24,806
+HK$1,242/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,128/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,111 · 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).