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$11,163
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,511
−HK$353/mo
Today · 4.125%
HK$11,864
baseline
▲ 0.50% · 4.625%
HK$12,585
+HK$721/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,728/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$107,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,419
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,752
−HK$338/mo
Today · 4.125%
HK$13,090
baseline
▲ 0.50% · 4.625%
HK$13,780
+HK$690/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,180/mo (50% DSR)
Upfront cash ≈ HK$2.55M (deposit + AVD stamp duty HK$107,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,396
−HK$840/mo
▼ 0.25% · 3.875%
HK$13,813
−HK$423/mo
Today · 4.125%
HK$14,236
baseline
▲ 0.50% · 4.625%
HK$15,102
+HK$866/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,472/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,903
−HK$805/mo
▼ 0.25% · 3.875%
HK$15,303
−HK$405/mo
Today · 4.125%
HK$15,708
baseline
▲ 0.50% · 4.625%
HK$16,536
+HK$828/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,416/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,629
−HK$980/mo
▼ 0.25% · 3.875%
HK$16,115
−HK$494/mo
Today · 4.125%
HK$16,609
baseline
▲ 0.50% · 4.625%
HK$17,620
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,218/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,387
−HK$939/mo
▼ 0.25% · 3.875%
HK$17,853
−HK$473/mo
Today · 4.125%
HK$18,326
baseline
▲ 0.50% · 4.625%
HK$19,292
+HK$966/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,652/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,094
−HK$1,260/mo
▼ 0.25% · 3.875%
HK$20,719
−HK$635/mo
Today · 4.125%
HK$21,354
baseline
▲ 0.50% · 4.625%
HK$22,654
+HK$1,300/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,708/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,355
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$22,954
−HK$608/mo
Today · 4.125%
HK$23,562
baseline
▲ 0.50% · 4.625%
HK$24,804
+HK$1,242/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,124/mo (50% DSR)
Upfront cash ≈ HK$597K (deposit + AVD stamp duty HK$107,072 · 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).