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$11,007
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,349
−HK$348/mo
Today · 4.125%
HK$11,697
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,394/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,245
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,573
−HK$334/mo
Today · 4.125%
HK$12,907
baseline
▲ 0.50% · 4.625%
HK$13,587
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,814/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,208
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,619
−HK$418/mo
Today · 4.125%
HK$14,037
baseline
▲ 0.50% · 4.625%
HK$14,891
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,074/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,694
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,088
−HK$400/mo
Today · 4.125%
HK$15,488
baseline
▲ 0.50% · 4.625%
HK$16,304
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,976/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,889
−HK$487/mo
Today · 4.125%
HK$16,376
baseline
▲ 0.50% · 4.625%
HK$17,372
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,752/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,143
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,603
−HK$466/mo
Today · 4.125%
HK$18,069
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,138/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,812
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$626/mo
Today · 4.125%
HK$21,055
baseline
▲ 0.50% · 4.625%
HK$22,336
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,110/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,206 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,041
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,632
−HK$600/mo
Today · 4.125%
HK$23,232
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,225/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,464/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,206 · 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).