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$11,025
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,368
−HK$349/mo
Today · 4.125%
HK$11,717
baseline
▲ 0.50% · 4.625%
HK$12,430
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,434/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,266
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,595
−HK$333/mo
Today · 4.125%
HK$12,928
baseline
▲ 0.50% · 4.625%
HK$13,610
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,856/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,230
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,642
−HK$418/mo
Today · 4.125%
HK$14,060
baseline
▲ 0.50% · 4.625%
HK$14,916
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,120/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,719
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,114
−HK$400/mo
Today · 4.125%
HK$15,514
baseline
▲ 0.50% · 4.625%
HK$16,332
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,028/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,436
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,916
−HK$488/mo
Today · 4.125%
HK$16,404
baseline
▲ 0.50% · 4.625%
HK$17,402
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,808/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,172
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,632
−HK$468/mo
Today · 4.125%
HK$18,100
baseline
▲ 0.50% · 4.625%
HK$19,054
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,200/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,846
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,463
−HK$627/mo
Today · 4.125%
HK$21,090
baseline
▲ 0.50% · 4.625%
HK$22,374
+HK$1,284/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,180/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,078
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,670
−HK$601/mo
Today · 4.125%
HK$23,271
baseline
▲ 0.50% · 4.625%
HK$24,498
+HK$1,227/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,542/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,017 · 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).