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$11,190
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,538
−HK$353/mo
Today · 4.125%
HK$11,891
baseline
▲ 0.50% · 4.625%
HK$12,615
+HK$724/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,782/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,449
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,782
−HK$339/mo
Today · 4.125%
HK$13,121
baseline
▲ 0.50% · 4.625%
HK$13,813
+HK$692/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,242/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,428
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,845
−HK$425/mo
Today · 4.125%
HK$14,270
baseline
▲ 0.50% · 4.625%
HK$15,138
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,540/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,938
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,339
−HK$406/mo
Today · 4.125%
HK$15,745
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$830/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,490/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,666
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,153
−HK$495/mo
Today · 4.125%
HK$16,648
baseline
▲ 0.50% · 4.625%
HK$17,661
+HK$1,013/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,296/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,428
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,895
−HK$475/mo
Today · 4.125%
HK$18,370
baseline
▲ 0.50% · 4.625%
HK$19,338
+HK$968/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,740/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,142
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,768
−HK$637/mo
Today · 4.125%
HK$21,405
baseline
▲ 0.50% · 4.625%
HK$22,707
+HK$1,302/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,810/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,226 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,407
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,008
−HK$610/mo
Today · 4.125%
HK$23,618
baseline
▲ 0.50% · 4.625%
HK$24,863
+HK$1,245/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,236/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,226 · 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).