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$11,005
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$347/mo
Today · 4.125%
HK$11,695
baseline
▲ 0.50% · 4.625%
HK$12,407
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,390/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,243
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$333/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,585
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,810/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,206
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$418/mo
Today · 4.125%
HK$14,035
baseline
▲ 0.50% · 4.625%
HK$14,889
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,070/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,692
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,086
−HK$400/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,302
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,972/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,407
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$487/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,370
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,748/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,600
−HK$467/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,019
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,134/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,426
−HK$626/mo
Today · 4.125%
HK$21,052
baseline
▲ 0.50% · 4.625%
HK$22,333
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,104/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,038
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,629
−HK$600/mo
Today · 4.125%
HK$23,229
baseline
▲ 0.50% · 4.625%
HK$24,453
+HK$1,224/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,458/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,136 · 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).