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$11,158
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,505
−HK$353/mo
Today · 4.125%
HK$11,858
baseline
▲ 0.50% · 4.625%
HK$12,579
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,716/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,413
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,746
−HK$338/mo
Today · 4.125%
HK$13,084
baseline
▲ 0.50% · 4.625%
HK$13,774
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,168/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$106,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,390
−HK$839/mo
▼ 0.25% · 3.875%
HK$13,806
−HK$423/mo
Today · 4.125%
HK$14,229
baseline
▲ 0.50% · 4.625%
HK$15,095
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,458/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,896
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$406/mo
Today · 4.125%
HK$15,701
baseline
▲ 0.50% · 4.625%
HK$16,528
+HK$827/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,402/mo (50% DSR)
Upfront cash ≈ HK$2.06M (deposit + AVD stamp duty HK$106,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,621
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,107
−HK$494/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,611
+HK$1,010/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,379
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,845
−HK$473/mo
Today · 4.125%
HK$18,318
baseline
▲ 0.50% · 4.625%
HK$19,283
+HK$965/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,636/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$106,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,085
−HK$1,259/mo
▼ 0.25% · 3.875%
HK$20,709
−HK$635/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,643
+HK$1,299/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,344
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,943
−HK$608/mo
Today · 4.125%
HK$23,551
baseline
▲ 0.50% · 4.625%
HK$24,793
+HK$1,242/mo
Deposit HK$489K · loan HK$4.40M · min. income ≈ HK$47,102/mo (50% DSR)
Upfront cash ≈ HK$596K (deposit + AVD stamp duty HK$106,837 · 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).