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$11,159
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,506
−HK$353/mo
Today · 4.125%
HK$11,859
baseline
▲ 0.50% · 4.625%
HK$12,580
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,718/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,414
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,747
−HK$338/mo
Today · 4.125%
HK$13,085
baseline
▲ 0.50% · 4.625%
HK$13,775
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,170/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,391
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,807
−HK$423/mo
Today · 4.125%
HK$14,230
baseline
▲ 0.50% · 4.625%
HK$15,096
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,460/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,897
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,296
−HK$406/mo
Today · 4.125%
HK$15,702
baseline
▲ 0.50% · 4.625%
HK$16,529
+HK$827/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,404/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,622
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,108
−HK$494/mo
Today · 4.125%
HK$16,602
baseline
▲ 0.50% · 4.625%
HK$17,612
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,204/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,380
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,846
−HK$473/mo
Today · 4.125%
HK$18,319
baseline
▲ 0.50% · 4.625%
HK$19,284
+HK$965/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,638/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,086
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,711
−HK$634/mo
Today · 4.125%
HK$21,345
baseline
▲ 0.50% · 4.625%
HK$22,644
+HK$1,299/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,690/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,345
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,945
−HK$608/mo
Today · 4.125%
HK$23,553
baseline
▲ 0.50% · 4.625%
HK$24,794
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,106/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,868 · 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).