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$11,014
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,357
−HK$348/mo
Today · 4.125%
HK$11,705
baseline
▲ 0.50% · 4.625%
HK$12,417
+HK$712/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,410/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,253
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,582
−HK$333/mo
Today · 4.125%
HK$12,915
baseline
▲ 0.50% · 4.625%
HK$13,596
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,830/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,217
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,628
−HK$418/mo
Today · 4.125%
HK$14,046
baseline
▲ 0.50% · 4.625%
HK$14,900
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,092/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,704
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,098
−HK$400/mo
Today · 4.125%
HK$15,498
baseline
▲ 0.50% · 4.625%
HK$16,315
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,996/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,420
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,899
−HK$487/mo
Today · 4.125%
HK$16,386
baseline
▲ 0.50% · 4.625%
HK$17,384
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,772/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,154
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,614
−HK$467/mo
Today · 4.125%
HK$18,081
baseline
▲ 0.50% · 4.625%
HK$19,034
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,162/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,825
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,442
−HK$626/mo
Today · 4.125%
HK$21,068
baseline
▲ 0.50% · 4.625%
HK$22,350
+HK$1,282/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,136/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,055
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,647
−HK$600/mo
Today · 4.125%
HK$23,247
baseline
▲ 0.50% · 4.625%
HK$24,472
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,494/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,515 · 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).