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$11,156
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,503
−HK$353/mo
Today · 4.125%
HK$11,856
baseline
▲ 0.50% · 4.625%
HK$12,577
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,712/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,411
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,744
−HK$338/mo
Today · 4.125%
HK$13,082
baseline
▲ 0.50% · 4.625%
HK$13,771
+HK$689/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,164/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,388
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,804
−HK$423/mo
Today · 4.125%
HK$14,227
baseline
▲ 0.50% · 4.625%
HK$15,093
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,454/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,893
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,293
−HK$405/mo
Today · 4.125%
HK$15,698
baseline
▲ 0.50% · 4.625%
HK$16,526
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,396/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,619
−HK$979/mo
▼ 0.25% · 3.875%
HK$16,105
−HK$493/mo
Today · 4.125%
HK$16,598
baseline
▲ 0.50% · 4.625%
HK$17,608
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$33,196/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,376
−HK$938/mo
▼ 0.25% · 3.875%
HK$17,842
−HK$472/mo
Today · 4.125%
HK$18,314
baseline
▲ 0.50% · 4.625%
HK$19,280
+HK$966/mo
Deposit HK$1.47M · loan HK$3.42M · min. income ≈ HK$36,628/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,081
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,706
−HK$635/mo
Today · 4.125%
HK$21,341
baseline
▲ 0.50% · 4.625%
HK$22,639
+HK$1,298/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,682/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,340
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,939
−HK$608/mo
Today · 4.125%
HK$23,547
baseline
▲ 0.50% · 4.625%
HK$24,788
+HK$1,241/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,094/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,755 · 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).