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$11,156
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,503
−HK$352/mo
Today · 4.125%
HK$11,855
baseline
▲ 0.50% · 4.625%
HK$12,577
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,710/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,411
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,744
−HK$337/mo
Today · 4.125%
HK$13,081
baseline
▲ 0.50% · 4.625%
HK$13,771
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,162/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,387
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,803
−HK$423/mo
Today · 4.125%
HK$14,226
baseline
▲ 0.50% · 4.625%
HK$15,092
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,452/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,893
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,292
−HK$405/mo
Today · 4.125%
HK$15,697
baseline
▲ 0.50% · 4.625%
HK$16,525
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,394/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,618
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,104
−HK$493/mo
Today · 4.125%
HK$16,597
baseline
▲ 0.50% · 4.625%
HK$17,607
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,194/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,375
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,841
−HK$473/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,279
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,080
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,705
−HK$635/mo
Today · 4.125%
HK$21,340
baseline
▲ 0.50% · 4.625%
HK$22,638
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,680/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,733 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,339
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,938
−HK$608/mo
Today · 4.125%
HK$23,546
baseline
▲ 0.50% · 4.625%
HK$24,787
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,092/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,733 · 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).