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$11,008
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,351
−HK$348/mo
Today · 4.125%
HK$11,699
baseline
▲ 0.50% · 4.625%
HK$12,411
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,398/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,247
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$333/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,589
+HK$681/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,816/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$417/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,893
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,696
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$400/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,412
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,891
−HK$487/mo
Today · 4.125%
HK$16,378
baseline
▲ 0.50% · 4.625%
HK$17,375
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,756/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,145
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$467/mo
Today · 4.125%
HK$18,072
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,144/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,815
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$627/mo
Today · 4.125%
HK$21,058
baseline
▲ 0.50% · 4.625%
HK$22,339
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,116/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,044
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$600/mo
Today · 4.125%
HK$23,235
baseline
▲ 0.50% · 4.625%
HK$24,460
+HK$1,225/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,470/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,269 · 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).