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$11,008
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$348/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,410
+HK$712/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$100,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,246
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,574
−HK$334/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,588
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,816/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,209
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,620
−HK$418/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,241 · 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$16,306
+HK$817/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$100,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,411
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,890
−HK$487/mo
Today · 4.125%
HK$16,377
baseline
▲ 0.50% · 4.625%
HK$17,374
+HK$997/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$100,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,144
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,604
−HK$467/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,023
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,814
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,430
−HK$626/mo
Today · 4.125%
HK$21,056
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,282/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$100,241 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,043
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,634
−HK$600/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,458
+HK$1,224/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,241 · 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).