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$11,177
−HK$701/mo
▼ 0.25% · 3.875%
HK$11,525
−HK$353/mo
Today · 4.125%
HK$11,878
baseline
▲ 0.50% · 4.625%
HK$12,601
+HK$723/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$23,756/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,435
−HK$671/mo
▼ 0.25% · 3.875%
HK$12,768
−HK$338/mo
Today · 4.125%
HK$13,106
baseline
▲ 0.50% · 4.625%
HK$13,797
+HK$691/mo
Deposit HK$2.45M · loan HK$2.45M · min. income ≈ HK$26,212/mo (50% DSR)
Upfront cash ≈ HK$2.56M (deposit + AVD stamp duty HK$107,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,413
−HK$841/mo
▼ 0.25% · 3.875%
HK$13,830
−HK$424/mo
Today · 4.125%
HK$14,254
baseline
▲ 0.50% · 4.625%
HK$15,121
+HK$867/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$28,508/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,922
−HK$806/mo
▼ 0.25% · 3.875%
HK$15,322
−HK$406/mo
Today · 4.125%
HK$15,728
baseline
▲ 0.50% · 4.625%
HK$16,557
+HK$829/mo
Deposit HK$1.96M · loan HK$2.94M · min. income ≈ HK$31,456/mo (50% DSR)
Upfront cash ≈ HK$2.07M (deposit + AVD stamp duty HK$107,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,648
−HK$982/mo
▼ 0.25% · 3.875%
HK$16,135
−HK$495/mo
Today · 4.125%
HK$16,630
baseline
▲ 0.50% · 4.625%
HK$17,641
+HK$1,011/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$33,260/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,409
−HK$940/mo
▼ 0.25% · 3.875%
HK$17,875
−HK$474/mo
Today · 4.125%
HK$18,349
baseline
▲ 0.50% · 4.625%
HK$19,316
+HK$967/mo
Deposit HK$1.47M · loan HK$3.43M · min. income ≈ HK$36,698/mo (50% DSR)
Upfront cash ≈ HK$1.58M (deposit + AVD stamp duty HK$107,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,119
−HK$1,262/mo
▼ 0.25% · 3.875%
HK$20,745
−HK$636/mo
Today · 4.125%
HK$21,381
baseline
▲ 0.50% · 4.625%
HK$22,682
+HK$1,301/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$42,762/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,382
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$22,983
−HK$609/mo
Today · 4.125%
HK$23,592
baseline
▲ 0.50% · 4.625%
HK$24,835
+HK$1,243/mo
Deposit HK$490K · loan HK$4.41M · min. income ≈ HK$47,184/mo (50% DSR)
Upfront cash ≈ HK$598K (deposit + AVD stamp duty HK$107,679 · 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).