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$11,169
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,516
−HK$353/mo
Today · 4.125%
HK$11,869
baseline
▲ 0.50% · 4.625%
HK$12,591
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,738/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,425
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,758
−HK$338/mo
Today · 4.125%
HK$13,096
baseline
▲ 0.50% · 4.625%
HK$13,787
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,192/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,402
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,819
−HK$424/mo
Today · 4.125%
HK$14,243
baseline
▲ 0.50% · 4.625%
HK$15,109
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,486/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,910
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$405/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,544
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,430/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,636
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,122
−HK$495/mo
Today · 4.125%
HK$16,617
baseline
▲ 0.50% · 4.625%
HK$17,628
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,234/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,395
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,861
−HK$474/mo
Today · 4.125%
HK$18,335
baseline
▲ 0.50% · 4.625%
HK$19,301
+HK$966/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,670/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,103
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,729
−HK$635/mo
Today · 4.125%
HK$21,364
baseline
▲ 0.50% · 4.625%
HK$22,664
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,728/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,365
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,965
−HK$608/mo
Today · 4.125%
HK$23,573
baseline
▲ 0.50% · 4.625%
HK$24,816
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,146/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,295 · 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).