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$11,036
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$349/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,442
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,456/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,278
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,607
−HK$334/mo
Today · 4.125%
HK$12,941
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,882/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$419/mo
Today · 4.125%
HK$14,074
baseline
▲ 0.50% · 4.625%
HK$14,930
+HK$856/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,148/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$401/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,348
+HK$819/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,451
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$488/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,418
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,838/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,189
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,650
−HK$467/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,234/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,865
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,483
−HK$628/mo
Today · 4.125%
HK$21,111
baseline
▲ 0.50% · 4.625%
HK$22,395
+HK$1,284/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,222/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,100
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$602/mo
Today · 4.125%
HK$23,294
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,227/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,588/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,485 · 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).