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$11,176
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,524
−HK$353/mo
Today · 4.125%
HK$11,877
baseline
▲ 0.50% · 4.625%
HK$12,600
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,754/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,433
−HK$672/mo
▼ 0.25% · 3.875%
HK$12,767
−HK$338/mo
Today · 4.125%
HK$13,105
baseline
▲ 0.50% · 4.625%
HK$13,796
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,210/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,411
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,828
−HK$424/mo
Today · 4.125%
HK$14,252
baseline
▲ 0.50% · 4.625%
HK$15,119
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,504/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,920
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,320
−HK$406/mo
Today · 4.125%
HK$15,726
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,452/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,646
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,133
−HK$495/mo
Today · 4.125%
HK$16,628
baseline
▲ 0.50% · 4.625%
HK$17,639
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,256/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,407
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,873
−HK$474/mo
Today · 4.125%
HK$18,347
baseline
▲ 0.50% · 4.625%
HK$19,314
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,694/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,117
−HK$1,261/mo
▼ 0.25% · 3.875%
HK$20,743
−HK$635/mo
Today · 4.125%
HK$21,378
baseline
▲ 0.50% · 4.625%
HK$22,679
+HK$1,301/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,756/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,380
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$22,980
−HK$609/mo
Today · 4.125%
HK$23,589
baseline
▲ 0.50% · 4.625%
HK$24,832
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,178/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,623 · 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).