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$11,158
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$352/mo
Today · 4.125%
HK$11,857
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,714/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,413
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$337/mo
Today · 4.125%
HK$13,083
baseline
▲ 0.50% · 4.625%
HK$13,773
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,166/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,389
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,805
−HK$424/mo
Today · 4.125%
HK$14,229
baseline
▲ 0.50% · 4.625%
HK$15,094
+HK$865/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,458/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,895
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$405/mo
Today · 4.125%
HK$15,700
baseline
▲ 0.50% · 4.625%
HK$16,527
+HK$827/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,400/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,621
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,106
−HK$494/mo
Today · 4.125%
HK$16,600
baseline
▲ 0.50% · 4.625%
HK$17,610
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,200/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,378
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,844
−HK$473/mo
Today · 4.125%
HK$18,317
baseline
▲ 0.50% · 4.625%
HK$19,282
+HK$965/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,634/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,084
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,708
−HK$635/mo
Today · 4.125%
HK$21,343
baseline
▲ 0.50% · 4.625%
HK$22,642
+HK$1,299/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,686/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,810 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,343
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,942
−HK$608/mo
Today · 4.125%
HK$23,550
baseline
▲ 0.50% · 4.625%
HK$24,791
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,100/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,810 · 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).