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$11,030
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,373
−HK$349/mo
Today · 4.125%
HK$11,722
baseline
▲ 0.50% · 4.625%
HK$12,435
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,444/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,271
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,600
−HK$334/mo
Today · 4.125%
HK$12,934
baseline
▲ 0.50% · 4.625%
HK$13,616
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,868/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,236
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,648
−HK$418/mo
Today · 4.125%
HK$14,066
baseline
▲ 0.50% · 4.625%
HK$14,922
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,132/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,725
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$401/mo
Today · 4.125%
HK$15,521
baseline
▲ 0.50% · 4.625%
HK$16,339
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,042/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,443
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,923
−HK$488/mo
Today · 4.125%
HK$16,411
baseline
▲ 0.50% · 4.625%
HK$17,409
+HK$998/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,822/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,180
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,640
−HK$468/mo
Today · 4.125%
HK$18,108
baseline
▲ 0.50% · 4.625%
HK$19,062
+HK$954/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,216/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,855
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,472
−HK$628/mo
Today · 4.125%
HK$21,100
baseline
▲ 0.50% · 4.625%
HK$22,384
+HK$1,284/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,200/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,088
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,681
−HK$600/mo
Today · 4.125%
HK$23,281
baseline
▲ 0.50% · 4.625%
HK$24,509
+HK$1,228/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,562/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,235 · 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).