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$11,020
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,362
−HK$349/mo
Today · 4.125%
HK$11,711
baseline
▲ 0.50% · 4.625%
HK$12,423
+HK$712/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,422/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,259
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,588
−HK$334/mo
Today · 4.125%
HK$12,922
baseline
▲ 0.50% · 4.625%
HK$13,603
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,844/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,224
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,635
−HK$418/mo
Today · 4.125%
HK$14,053
baseline
▲ 0.50% · 4.625%
HK$14,908
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,106/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,711
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,106
−HK$400/mo
Today · 4.125%
HK$15,506
baseline
▲ 0.50% · 4.625%
HK$16,323
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,012/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,428
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,907
−HK$488/mo
Today · 4.125%
HK$16,395
baseline
▲ 0.50% · 4.625%
HK$17,393
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,790/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,163
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,623
−HK$467/mo
Today · 4.125%
HK$18,090
baseline
▲ 0.50% · 4.625%
HK$19,044
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,180/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,835
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,452
−HK$627/mo
Today · 4.125%
HK$21,079
baseline
▲ 0.50% · 4.625%
HK$22,362
+HK$1,283/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,158/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,767 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,067
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,659
−HK$600/mo
Today · 4.125%
HK$23,259
baseline
▲ 0.50% · 4.625%
HK$24,485
+HK$1,226/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,518/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,767 · 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).