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$11,023
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,366
−HK$348/mo
Today · 4.125%
HK$11,714
baseline
▲ 0.50% · 4.625%
HK$12,427
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,428/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,263
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,592
−HK$333/mo
Today · 4.125%
HK$12,925
baseline
▲ 0.50% · 4.625%
HK$13,606
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,850/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,227
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,639
−HK$418/mo
Today · 4.125%
HK$14,057
baseline
▲ 0.50% · 4.625%
HK$14,912
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,114/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,110
−HK$400/mo
Today · 4.125%
HK$15,510
baseline
▲ 0.50% · 4.625%
HK$16,328
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,020/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,432
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,912
−HK$487/mo
Today · 4.125%
HK$16,399
baseline
▲ 0.50% · 4.625%
HK$17,397
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,798/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,168
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,628
−HK$467/mo
Today · 4.125%
HK$18,095
baseline
▲ 0.50% · 4.625%
HK$19,049
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,190/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,841
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,458
−HK$627/mo
Today · 4.125%
HK$21,085
baseline
▲ 0.50% · 4.625%
HK$22,368
+HK$1,283/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,170/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,073
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,665
−HK$600/mo
Today · 4.125%
HK$23,265
baseline
▲ 0.50% · 4.625%
HK$24,492
+HK$1,227/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,530/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,898 · 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).