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$11,024
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$349/mo
Today · 4.125%
HK$11,715
baseline
▲ 0.50% · 4.625%
HK$12,428
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,430/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,264
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$333/mo
Today · 4.125%
HK$12,926
baseline
▲ 0.50% · 4.625%
HK$13,608
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,852/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,228
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,640
−HK$418/mo
Today · 4.125%
HK$14,058
baseline
▲ 0.50% · 4.625%
HK$14,913
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,116/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,716
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,111
−HK$400/mo
Today · 4.125%
HK$15,511
baseline
▲ 0.50% · 4.625%
HK$16,329
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,022/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,433
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,913
−HK$488/mo
Today · 4.125%
HK$16,401
baseline
▲ 0.50% · 4.625%
HK$17,399
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,802/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,169
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,630
−HK$467/mo
Today · 4.125%
HK$18,097
baseline
▲ 0.50% · 4.625%
HK$19,051
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,194/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,842
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,460
−HK$627/mo
Today · 4.125%
HK$21,087
baseline
▲ 0.50% · 4.625%
HK$22,370
+HK$1,283/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,174/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,075
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,667
−HK$600/mo
Today · 4.125%
HK$23,267
baseline
▲ 0.50% · 4.625%
HK$24,494
+HK$1,227/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,534/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,937 · 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).