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$11,023
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$348/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,427
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,428/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,263
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$334/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,607
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,228
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$418/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,913
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,114/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,716
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,111
−HK$400/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,432
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$487/mo
Today · 4.125%
HK$16,400
baseline
▲ 0.50% · 4.625%
HK$17,398
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,800/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,168
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,629
−HK$467/mo
Today · 4.125%
HK$18,096
baseline
▲ 0.50% · 4.625%
HK$19,050
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,192/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,459
−HK$627/mo
Today · 4.125%
HK$21,086
baseline
▲ 0.50% · 4.625%
HK$22,369
+HK$1,283/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,172/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,074
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,666
−HK$600/mo
Today · 4.125%
HK$23,266
baseline
▲ 0.50% · 4.625%
HK$24,493
+HK$1,227/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,532/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,920 · 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).