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$11,022
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,365
−HK$348/mo
Today · 4.125%
HK$11,713
baseline
▲ 0.50% · 4.625%
HK$12,426
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,426/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,262
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,590
−HK$334/mo
Today · 4.125%
HK$12,924
baseline
▲ 0.50% · 4.625%
HK$13,605
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,848/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,226
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,638
−HK$417/mo
Today · 4.125%
HK$14,055
baseline
▲ 0.50% · 4.625%
HK$14,911
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,110/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,714
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,109
−HK$400/mo
Today · 4.125%
HK$15,509
baseline
▲ 0.50% · 4.625%
HK$16,326
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,018/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,430
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,910
−HK$488/mo
Today · 4.125%
HK$16,398
baseline
▲ 0.50% · 4.625%
HK$17,396
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,796/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,166
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,627
−HK$467/mo
Today · 4.125%
HK$18,094
baseline
▲ 0.50% · 4.625%
HK$19,047
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,188/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,839
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,456
−HK$627/mo
Today · 4.125%
HK$21,083
baseline
▲ 0.50% · 4.625%
HK$22,366
+HK$1,283/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,166/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,856 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,071
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,663
−HK$600/mo
Today · 4.125%
HK$23,263
baseline
▲ 0.50% · 4.625%
HK$24,490
+HK$1,227/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,526/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,856 · 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).