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$11,013
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,356
−HK$348/mo
Today · 4.125%
HK$11,704
baseline
▲ 0.50% · 4.625%
HK$12,416
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,408/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,252
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,580
−HK$334/mo
Today · 4.125%
HK$12,914
baseline
▲ 0.50% · 4.625%
HK$13,595
+HK$681/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,828/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,216
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,627
−HK$417/mo
Today · 4.125%
HK$14,044
baseline
▲ 0.50% · 4.625%
HK$14,899
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,088/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,702
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,097
−HK$400/mo
Today · 4.125%
HK$15,497
baseline
▲ 0.50% · 4.625%
HK$16,313
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,994/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,418
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,898
−HK$487/mo
Today · 4.125%
HK$16,385
baseline
▲ 0.50% · 4.625%
HK$17,382
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,770/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,153
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,613
−HK$466/mo
Today · 4.125%
HK$18,079
baseline
▲ 0.50% · 4.625%
HK$19,032
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,158/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,823
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,440
−HK$627/mo
Today · 4.125%
HK$21,067
baseline
▲ 0.50% · 4.625%
HK$22,348
+HK$1,281/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,134/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,053
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,645
−HK$600/mo
Today · 4.125%
HK$23,245
baseline
▲ 0.50% · 4.625%
HK$24,470
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,490/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,474 · 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).