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$11,178
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,526
−HK$353/mo
Today · 4.125%
HK$11,879
baseline
▲ 0.50% · 4.625%
HK$12,602
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,758/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,436
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,769
−HK$339/mo
Today · 4.125%
HK$13,108
baseline
▲ 0.50% · 4.625%
HK$13,799
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,216/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,414
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,831
−HK$424/mo
Today · 4.125%
HK$14,255
baseline
▲ 0.50% · 4.625%
HK$15,123
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,510/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,923
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,323
−HK$406/mo
Today · 4.125%
HK$15,729
baseline
▲ 0.50% · 4.625%
HK$16,558
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,458/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,650
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,136
−HK$495/mo
Today · 4.125%
HK$16,631
baseline
▲ 0.50% · 4.625%
HK$17,643
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,262/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,410
−HK$941/mo
▼ 0.25% · 3.875%
HK$17,877
−HK$474/mo
Today · 4.125%
HK$18,351
baseline
▲ 0.50% · 4.625%
HK$19,318
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,702/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,121
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,747
−HK$636/mo
Today · 4.125%
HK$21,383
baseline
▲ 0.50% · 4.625%
HK$22,684
+HK$1,301/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,766/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,384
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,985
−HK$609/mo
Today · 4.125%
HK$23,594
baseline
▲ 0.50% · 4.625%
HK$24,837
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,188/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,724 · 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).