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$11,013
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,355
−HK$348/mo
Today · 4.125%
HK$11,703
baseline
▲ 0.50% · 4.625%
HK$12,415
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,406/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,251
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$333/mo
Today · 4.125%
HK$12,913
baseline
▲ 0.50% · 4.625%
HK$13,594
+HK$681/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,826/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,215
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,626
−HK$418/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,898
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,702
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,096
−HK$400/mo
Today · 4.125%
HK$15,496
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,992/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,418
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,897
−HK$487/mo
Today · 4.125%
HK$16,384
baseline
▲ 0.50% · 4.625%
HK$17,381
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,768/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,152
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,612
−HK$467/mo
Today · 4.125%
HK$18,079
baseline
▲ 0.50% · 4.625%
HK$19,031
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,158/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,823
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,439
−HK$627/mo
Today · 4.125%
HK$21,066
baseline
▲ 0.50% · 4.625%
HK$22,347
+HK$1,281/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,132/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,452 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,052
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,644
−HK$600/mo
Today · 4.125%
HK$23,244
baseline
▲ 0.50% · 4.625%
HK$24,469
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,488/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,452 · 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).