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$11,021
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,364
−HK$348/mo
Today · 4.125%
HK$11,712
baseline
▲ 0.50% · 4.625%
HK$12,425
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,424/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,261
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,589
−HK$334/mo
Today · 4.125%
HK$12,923
baseline
▲ 0.50% · 4.625%
HK$13,604
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,846/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,225
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,636
−HK$418/mo
Today · 4.125%
HK$14,054
baseline
▲ 0.50% · 4.625%
HK$14,909
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,108/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,713
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,107
−HK$400/mo
Today · 4.125%
HK$15,507
baseline
▲ 0.50% · 4.625%
HK$16,325
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,014/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,429
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,909
−HK$488/mo
Today · 4.125%
HK$16,397
baseline
▲ 0.50% · 4.625%
HK$17,394
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,794/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,165
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,625
−HK$467/mo
Today · 4.125%
HK$18,092
baseline
▲ 0.50% · 4.625%
HK$19,046
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,184/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,837
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,454
−HK$627/mo
Today · 4.125%
HK$21,081
baseline
▲ 0.50% · 4.625%
HK$22,364
+HK$1,283/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,162/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,069
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,661
−HK$600/mo
Today · 4.125%
HK$23,261
baseline
▲ 0.50% · 4.625%
HK$24,487
+HK$1,226/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,522/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,813 · 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).