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$11,009
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,352
−HK$348/mo
Today · 4.125%
HK$11,700
baseline
▲ 0.50% · 4.625%
HK$12,412
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,400/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,248
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,576
−HK$334/mo
Today · 4.125%
HK$12,910
baseline
▲ 0.50% · 4.625%
HK$13,590
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,820/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,211
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,622
−HK$418/mo
Today · 4.125%
HK$14,040
baseline
▲ 0.50% · 4.625%
HK$14,894
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,080/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,697
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,092
−HK$399/mo
Today · 4.125%
HK$15,491
baseline
▲ 0.50% · 4.625%
HK$16,308
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,982/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,413
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,893
−HK$487/mo
Today · 4.125%
HK$16,380
baseline
▲ 0.50% · 4.625%
HK$17,376
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,760/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,147
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,607
−HK$466/mo
Today · 4.125%
HK$18,073
baseline
▲ 0.50% · 4.625%
HK$19,026
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,146/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,817
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,433
−HK$627/mo
Today · 4.125%
HK$21,060
baseline
▲ 0.50% · 4.625%
HK$22,341
+HK$1,281/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,120/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,046
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,637
−HK$600/mo
Today · 4.125%
HK$23,237
baseline
▲ 0.50% · 4.625%
HK$24,462
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,474/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,314 · 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).