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$11,037
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,381
−HK$348/mo
Today · 4.125%
HK$11,729
baseline
▲ 0.50% · 4.625%
HK$12,443
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,458/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,279
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,608
−HK$334/mo
Today · 4.125%
HK$12,942
baseline
▲ 0.50% · 4.625%
HK$13,624
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,884/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,245
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,657
−HK$418/mo
Today · 4.125%
HK$14,075
baseline
▲ 0.50% · 4.625%
HK$14,932
+HK$857/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,150/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,735
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$401/mo
Today · 4.125%
HK$15,531
baseline
▲ 0.50% · 4.625%
HK$16,349
+HK$818/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,062/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,452
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,933
−HK$488/mo
Today · 4.125%
HK$16,421
baseline
▲ 0.50% · 4.625%
HK$17,420
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,842/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,190
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,651
−HK$468/mo
Today · 4.125%
HK$18,119
baseline
▲ 0.50% · 4.625%
HK$19,074
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,238/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,867
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,485
−HK$628/mo
Today · 4.125%
HK$21,113
baseline
▲ 0.50% · 4.625%
HK$22,397
+HK$1,284/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,226/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,533 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,102
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,695
−HK$601/mo
Today · 4.125%
HK$23,296
baseline
▲ 0.50% · 4.625%
HK$24,524
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,592/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,533 · 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).