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$11,034
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,377
−HK$349/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,452/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,275
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$334/mo
Today · 4.125%
HK$12,939
baseline
▲ 0.50% · 4.625%
HK$13,621
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,878/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,241
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$418/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,928
+HK$857/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,142/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,731
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,126
−HK$400/mo
Today · 4.125%
HK$15,526
baseline
▲ 0.50% · 4.625%
HK$16,345
+HK$819/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,052/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,448
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$489/mo
Today · 4.125%
HK$16,417
baseline
▲ 0.50% · 4.625%
HK$17,416
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,834/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,186
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,647
−HK$467/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,069
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,228/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,862
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$628/mo
Today · 4.125%
HK$21,107
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,284/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,214/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,404 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,096
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,688
−HK$602/mo
Today · 4.125%
HK$23,290
baseline
▲ 0.50% · 4.625%
HK$24,517
+HK$1,227/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,580/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,404 · 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).