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$11,187
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,535
−HK$353/mo
Today · 4.125%
HK$11,888
baseline
▲ 0.50% · 4.625%
HK$12,612
+HK$724/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,776/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,445
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,779
−HK$339/mo
Today · 4.125%
HK$13,118
baseline
▲ 0.50% · 4.625%
HK$13,809
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,236/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,424
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,842
−HK$424/mo
Today · 4.125%
HK$14,266
baseline
▲ 0.50% · 4.625%
HK$15,134
+HK$868/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,532/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,934
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,335
−HK$406/mo
Today · 4.125%
HK$15,741
baseline
▲ 0.50% · 4.625%
HK$16,571
+HK$830/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,482/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,661
−HK$983/mo
▼ 0.25% · 3.875%
HK$16,149
−HK$495/mo
Today · 4.125%
HK$16,644
baseline
▲ 0.50% · 4.625%
HK$17,656
+HK$1,012/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,288/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,423
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,891
−HK$474/mo
Today · 4.125%
HK$18,365
baseline
▲ 0.50% · 4.625%
HK$19,333
+HK$968/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,730/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,136
−HK$1,263/mo
▼ 0.25% · 3.875%
HK$20,763
−HK$636/mo
Today · 4.125%
HK$21,399
baseline
▲ 0.50% · 4.625%
HK$22,701
+HK$1,302/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,798/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,093 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,401
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,002
−HK$610/mo
Today · 4.125%
HK$23,612
baseline
▲ 0.50% · 4.625%
HK$24,856
+HK$1,244/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,224/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,093 · 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).