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$11,183
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,531
−HK$353/mo
Today · 4.125%
HK$11,884
baseline
▲ 0.50% · 4.625%
HK$12,607
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,768/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,441
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,775
−HK$338/mo
Today · 4.125%
HK$13,113
baseline
▲ 0.50% · 4.625%
HK$13,804
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,226/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,420
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,837
−HK$424/mo
Today · 4.125%
HK$14,261
baseline
▲ 0.50% · 4.625%
HK$15,129
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,522/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,929
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$406/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,565
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,472/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,656
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,143
−HK$495/mo
Today · 4.125%
HK$16,638
baseline
▲ 0.50% · 4.625%
HK$17,650
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,276/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,417
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,885
−HK$473/mo
Today · 4.125%
HK$18,358
baseline
▲ 0.50% · 4.625%
HK$19,326
+HK$968/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,716/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,129
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,756
−HK$636/mo
Today · 4.125%
HK$21,392
baseline
▲ 0.50% · 4.625%
HK$22,693
+HK$1,301/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,784/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,929 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,394
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,994
−HK$610/mo
Today · 4.125%
HK$23,604
baseline
▲ 0.50% · 4.625%
HK$24,848
+HK$1,244/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,208/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,929 · 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).