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$11,162
−HK$700/mo
▼ 0.25% · 3.875%
HK$11,510
−HK$352/mo
Today · 4.125%
HK$11,862
baseline
▲ 0.50% · 4.625%
HK$12,584
+HK$722/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,724/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$107,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,418
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,751
−HK$338/mo
Today · 4.125%
HK$13,089
baseline
▲ 0.50% · 4.625%
HK$13,779
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,178/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$107,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,395
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,812
−HK$423/mo
Today · 4.125%
HK$14,235
baseline
▲ 0.50% · 4.625%
HK$15,101
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,470/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,902
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,301
−HK$406/mo
Today · 4.125%
HK$15,707
baseline
▲ 0.50% · 4.625%
HK$16,535
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,414/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,627
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,114
−HK$493/mo
Today · 4.125%
HK$16,607
baseline
▲ 0.50% · 4.625%
HK$17,618
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,214/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,385
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,852
−HK$473/mo
Today · 4.125%
HK$18,325
baseline
▲ 0.50% · 4.625%
HK$19,291
+HK$966/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,650/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,092
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,717
−HK$635/mo
Today · 4.125%
HK$21,352
baseline
▲ 0.50% · 4.625%
HK$22,652
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,704/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,353
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,952
−HK$608/mo
Today · 4.125%
HK$23,560
baseline
▲ 0.50% · 4.625%
HK$24,802
+HK$1,242/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,120/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,028 · 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).