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$11,151
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,498
−HK$352/mo
Today · 4.125%
HK$11,850
baseline
▲ 0.50% · 4.625%
HK$12,571
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,700/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,405
−HK$670/mo
▼ 0.25% · 3.875%
HK$12,738
−HK$337/mo
Today · 4.125%
HK$13,075
baseline
▲ 0.50% · 4.625%
HK$13,765
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,150/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,381
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,797
−HK$423/mo
Today · 4.125%
HK$14,220
baseline
▲ 0.50% · 4.625%
HK$15,085
+HK$865/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,440/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,886
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,285
−HK$405/mo
Today · 4.125%
HK$15,690
baseline
▲ 0.50% · 4.625%
HK$16,518
+HK$828/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,380/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,611
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,097
−HK$493/mo
Today · 4.125%
HK$16,590
baseline
▲ 0.50% · 4.625%
HK$17,600
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,180/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,367
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,833
−HK$473/mo
Today · 4.125%
HK$18,306
baseline
▲ 0.50% · 4.625%
HK$19,270
+HK$964/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,612/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,071
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,696
−HK$634/mo
Today · 4.125%
HK$21,330
baseline
▲ 0.50% · 4.625%
HK$22,628
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,660/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,329
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,928
−HK$608/mo
Today · 4.125%
HK$23,536
baseline
▲ 0.50% · 4.625%
HK$24,776
+HK$1,240/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,072/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,516 · 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).