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$11,024
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,367
−HK$349/mo
Today · 4.125%
HK$11,716
baseline
▲ 0.50% · 4.625%
HK$12,429
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,432/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,265
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,593
−HK$334/mo
Today · 4.125%
HK$12,927
baseline
▲ 0.50% · 4.625%
HK$13,609
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,854/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,229
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,641
−HK$418/mo
Today · 4.125%
HK$14,059
baseline
▲ 0.50% · 4.625%
HK$14,914
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,118/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,717
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$401/mo
Today · 4.125%
HK$15,513
baseline
▲ 0.50% · 4.625%
HK$16,330
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,026/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,434
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,914
−HK$488/mo
Today · 4.125%
HK$16,402
baseline
▲ 0.50% · 4.625%
HK$17,400
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,804/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,170
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,631
−HK$467/mo
Today · 4.125%
HK$18,098
baseline
▲ 0.50% · 4.625%
HK$19,052
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,196/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,844
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,461
−HK$627/mo
Today · 4.125%
HK$21,088
baseline
▲ 0.50% · 4.625%
HK$22,372
+HK$1,284/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,176/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,973 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,076
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,668
−HK$601/mo
Today · 4.125%
HK$23,269
baseline
▲ 0.50% · 4.625%
HK$24,495
+HK$1,226/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,538/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,973 · 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).