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$11,002
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,345
−HK$347/mo
Today · 4.125%
HK$11,692
baseline
▲ 0.50% · 4.625%
HK$12,404
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,384/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,240
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,568
−HK$333/mo
Today · 4.125%
HK$12,901
baseline
▲ 0.50% · 4.625%
HK$13,581
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,802/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,203
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,614
−HK$417/mo
Today · 4.125%
HK$14,031
baseline
▲ 0.50% · 4.625%
HK$14,885
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,062/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,688
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,082
−HK$400/mo
Today · 4.125%
HK$15,482
baseline
▲ 0.50% · 4.625%
HK$16,298
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,964/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,403
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,883
−HK$486/mo
Today · 4.125%
HK$16,369
baseline
▲ 0.50% · 4.625%
HK$17,365
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,738/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,136
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,596
−HK$466/mo
Today · 4.125%
HK$18,062
baseline
▲ 0.50% · 4.625%
HK$19,014
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,124/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,804
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,420
−HK$626/mo
Today · 4.125%
HK$21,046
baseline
▲ 0.50% · 4.625%
HK$22,327
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,092/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,008 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,032
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,623
−HK$599/mo
Today · 4.125%
HK$23,222
baseline
▲ 0.50% · 4.625%
HK$24,447
+HK$1,225/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,444/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,008 · 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).