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$11,006
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,348
−HK$348/mo
Today · 4.125%
HK$11,696
baseline
▲ 0.50% · 4.625%
HK$12,408
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,392/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,244
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,572
−HK$333/mo
Today · 4.125%
HK$12,905
baseline
▲ 0.50% · 4.625%
HK$13,586
+HK$681/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$100,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,207
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,618
−HK$417/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$100,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,693
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,087
−HK$399/mo
Today · 4.125%
HK$15,486
baseline
▲ 0.50% · 4.625%
HK$16,303
+HK$817/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$100,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,408
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,887
−HK$487/mo
Today · 4.125%
HK$16,374
baseline
▲ 0.50% · 4.625%
HK$17,371
+HK$997/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$100,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,141
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,601
−HK$466/mo
Today · 4.125%
HK$18,067
baseline
▲ 0.50% · 4.625%
HK$19,020
+HK$953/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$100,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,810
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,427
−HK$626/mo
Today · 4.125%
HK$21,053
baseline
▲ 0.50% · 4.625%
HK$22,334
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,106/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,155 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,039
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,630
−HK$600/mo
Today · 4.125%
HK$23,230
baseline
▲ 0.50% · 4.625%
HK$24,454
+HK$1,224/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,460/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,155 · 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).