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$11,027
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,370
−HK$348/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,431
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,436/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,267
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$334/mo
Today · 4.125%
HK$12,930
baseline
▲ 0.50% · 4.625%
HK$13,612
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,860/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,232
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,644
−HK$418/mo
Today · 4.125%
HK$14,062
baseline
▲ 0.50% · 4.625%
HK$14,918
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,124/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,721
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,116
−HK$400/mo
Today · 4.125%
HK$15,516
baseline
▲ 0.50% · 4.625%
HK$16,334
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,032/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,438
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,918
−HK$488/mo
Today · 4.125%
HK$16,406
baseline
▲ 0.50% · 4.625%
HK$17,404
+HK$998/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,812/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,174
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,635
−HK$467/mo
Today · 4.125%
HK$18,102
baseline
▲ 0.50% · 4.625%
HK$19,056
+HK$954/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,204/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,848
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,466
−HK$627/mo
Today · 4.125%
HK$21,093
baseline
▲ 0.50% · 4.625%
HK$22,377
+HK$1,284/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,186/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,081
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,673
−HK$601/mo
Today · 4.125%
HK$23,274
baseline
▲ 0.50% · 4.625%
HK$24,501
+HK$1,227/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,548/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,083 · 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).