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$11,173
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,521
−HK$353/mo
Today · 4.125%
HK$11,874
baseline
▲ 0.50% · 4.625%
HK$12,596
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,748/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,430
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,764
−HK$338/mo
Today · 4.125%
HK$13,102
baseline
▲ 0.50% · 4.625%
HK$13,792
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,204/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,408
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,825
−HK$424/mo
Today · 4.125%
HK$14,249
baseline
▲ 0.50% · 4.625%
HK$15,116
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,498/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,916
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,316
−HK$406/mo
Today · 4.125%
HK$15,722
baseline
▲ 0.50% · 4.625%
HK$16,551
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,444/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,643
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,129
−HK$494/mo
Today · 4.125%
HK$16,623
baseline
▲ 0.50% · 4.625%
HK$17,635
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,246/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,402
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,869
−HK$473/mo
Today · 4.125%
HK$18,342
baseline
▲ 0.50% · 4.625%
HK$19,309
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,684/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,112
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,737
−HK$636/mo
Today · 4.125%
HK$21,373
baseline
▲ 0.50% · 4.625%
HK$22,674
+HK$1,301/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,746/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,374
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,974
−HK$609/mo
Today · 4.125%
HK$23,583
baseline
▲ 0.50% · 4.625%
HK$24,826
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,166/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,501 · 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).