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$11,153
−HK$699/mo
▼ 0.25% · 3.875%
HK$11,500
−HK$352/mo
Today · 4.125%
HK$11,852
baseline
▲ 0.50% · 4.625%
HK$12,573
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,704/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,407
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,740
−HK$338/mo
Today · 4.125%
HK$13,078
baseline
▲ 0.50% · 4.625%
HK$13,767
+HK$689/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,156/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,383
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,800
−HK$423/mo
Today · 4.125%
HK$14,223
baseline
▲ 0.50% · 4.625%
HK$15,088
+HK$865/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$28,446/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,889
−HK$804/mo
▼ 0.25% · 3.875%
HK$15,288
−HK$405/mo
Today · 4.125%
HK$15,693
baseline
▲ 0.50% · 4.625%
HK$16,520
+HK$827/mo
Deposit HK$1.96M · loan HK$2.93M · min. income ≈ HK$31,386/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,614
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,100
−HK$493/mo
Today · 4.125%
HK$16,593
baseline
▲ 0.50% · 4.625%
HK$17,603
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,186/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,370
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,836
−HK$473/mo
Today · 4.125%
HK$18,309
baseline
▲ 0.50% · 4.625%
HK$19,274
+HK$965/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,618/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,075
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,699
−HK$635/mo
Today · 4.125%
HK$21,334
baseline
▲ 0.50% · 4.625%
HK$22,632
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,668/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,333
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,932
−HK$608/mo
Today · 4.125%
HK$23,540
baseline
▲ 0.50% · 4.625%
HK$24,781
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,080/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,603 · 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).