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$11,007
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$348/mo
Today · 4.125%
HK$11,697
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,394/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,245
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$333/mo
Today · 4.125%
HK$12,906
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$681/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,812/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,208
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,619
−HK$417/mo
Today · 4.125%
HK$14,036
baseline
▲ 0.50% · 4.625%
HK$14,890
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,072/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,694
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,088
−HK$400/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,409
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$487/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,143
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,602
−HK$467/mo
Today · 4.125%
HK$18,069
baseline
▲ 0.50% · 4.625%
HK$19,021
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,138/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,428
−HK$626/mo
Today · 4.125%
HK$21,054
baseline
▲ 0.50% · 4.625%
HK$22,335
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,108/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,041
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$599/mo
Today · 4.125%
HK$23,231
baseline
▲ 0.50% · 4.625%
HK$24,456
+HK$1,225/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,462/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,193 · 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).