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$11,167
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,514
−HK$353/mo
Today · 4.125%
HK$11,867
baseline
▲ 0.50% · 4.625%
HK$12,589
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,734/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,423
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,756
−HK$338/mo
Today · 4.125%
HK$13,094
baseline
▲ 0.50% · 4.625%
HK$13,785
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,188/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,400
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,817
−HK$424/mo
Today · 4.125%
HK$14,241
baseline
▲ 0.50% · 4.625%
HK$15,107
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,482/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,908
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,308
−HK$405/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,542
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,426/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,634
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,120
−HK$494/mo
Today · 4.125%
HK$16,614
baseline
▲ 0.50% · 4.625%
HK$17,625
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,228/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,393
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,859
−HK$473/mo
Today · 4.125%
HK$18,332
baseline
▲ 0.50% · 4.625%
HK$19,299
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,664/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,101
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,726
−HK$635/mo
Today · 4.125%
HK$21,361
baseline
▲ 0.50% · 4.625%
HK$22,661
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,722/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,362
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,962
−HK$608/mo
Today · 4.125%
HK$23,570
baseline
▲ 0.50% · 4.625%
HK$24,812
+HK$1,242/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,140/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,229 · 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).