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$11,170
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,517
−HK$353/mo
Today · 4.125%
HK$11,870
baseline
▲ 0.50% · 4.625%
HK$12,593
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,740/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,426
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,760
−HK$338/mo
Today · 4.125%
HK$13,098
baseline
▲ 0.50% · 4.625%
HK$13,788
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,196/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,404
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,821
−HK$424/mo
Today · 4.125%
HK$14,245
baseline
▲ 0.50% · 4.625%
HK$15,111
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,490/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,912
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,312
−HK$405/mo
Today · 4.125%
HK$15,717
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,434/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,638
−HK$981/mo
▼ 0.25% · 3.875%
HK$16,124
−HK$495/mo
Today · 4.125%
HK$16,619
baseline
▲ 0.50% · 4.625%
HK$17,630
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,238/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,397
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,864
−HK$473/mo
Today · 4.125%
HK$18,337
baseline
▲ 0.50% · 4.625%
HK$19,304
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,674/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,106
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,731
−HK$636/mo
Today · 4.125%
HK$21,367
baseline
▲ 0.50% · 4.625%
HK$22,667
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,734/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,357 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,368
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$22,968
−HK$608/mo
Today · 4.125%
HK$23,576
baseline
▲ 0.50% · 4.625%
HK$24,819
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,152/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,357 · 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).