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$691/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$348/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,409
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,396/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,246
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,574
−HK$333/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$100,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,209
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$417/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$100,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,695
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,089
−HK$400/mo
Today · 4.125%
HK$15,489
baseline
▲ 0.50% · 4.625%
HK$16,305
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,978/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,410
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$487/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,373
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,754/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$466/mo
Today · 4.125%
HK$18,070
baseline
▲ 0.50% · 4.625%
HK$19,022
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,140/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,813
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,429
−HK$627/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,337
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,112/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,042
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,633
−HK$600/mo
Today · 4.125%
HK$23,233
baseline
▲ 0.50% · 4.625%
HK$24,457
+HK$1,224/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,466/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,223 · 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).