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$11,195
−HK$702/mo
▼ 0.25% · 3.875%
HK$11,543
−HK$354/mo
Today · 4.125%
HK$11,897
baseline
▲ 0.50% · 4.625%
HK$12,621
+HK$724/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,794/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,454
−HK$673/mo
▼ 0.25% · 3.875%
HK$12,788
−HK$339/mo
Today · 4.125%
HK$13,127
baseline
▲ 0.50% · 4.625%
HK$13,819
+HK$692/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,254/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$108,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,434
−HK$842/mo
▼ 0.25% · 3.875%
HK$13,852
−HK$424/mo
Today · 4.125%
HK$14,276
baseline
▲ 0.50% · 4.625%
HK$15,145
+HK$869/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$28,552/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,945
−HK$807/mo
▼ 0.25% · 3.875%
HK$15,346
−HK$406/mo
Today · 4.125%
HK$15,752
baseline
▲ 0.50% · 4.625%
HK$16,583
+HK$831/mo
Deposit HK$1.96M · loan HK$2.95M · min. income ≈ HK$31,504/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$108,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,673
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,160
−HK$495/mo
Today · 4.125%
HK$16,655
baseline
▲ 0.50% · 4.625%
HK$17,669
+HK$1,014/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$33,310/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,436
−HK$942/mo
▼ 0.25% · 3.875%
HK$17,903
−HK$475/mo
Today · 4.125%
HK$18,378
baseline
▲ 0.50% · 4.625%
HK$19,346
+HK$968/mo
Deposit HK$1.47M · loan HK$3.44M · min. income ≈ HK$36,756/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$108,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,150
−HK$1,264/mo
▼ 0.25% · 3.875%
HK$20,777
−HK$637/mo
Today · 4.125%
HK$21,414
baseline
▲ 0.50% · 4.625%
HK$22,717
+HK$1,303/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$42,828/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,417
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$23,018
−HK$610/mo
Today · 4.125%
HK$23,628
baseline
▲ 0.50% · 4.625%
HK$24,874
+HK$1,246/mo
Deposit HK$491K · loan HK$4.42M · min. income ≈ HK$47,256/mo (50% DSR)
Upfront cash ≈ HK$599K (deposit + AVD stamp duty HK$108,441 · 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).