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$11,017
−HK$691/mo
▼ 0.25% · 3.875%
HK$11,359
−HK$349/mo
Today · 4.125%
HK$11,708
baseline
▲ 0.50% · 4.625%
HK$12,420
+HK$712/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,416/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,256
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,585
−HK$333/mo
Today · 4.125%
HK$12,918
baseline
▲ 0.50% · 4.625%
HK$13,599
+HK$681/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,836/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$100,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,220
−HK$829/mo
▼ 0.25% · 3.875%
HK$13,631
−HK$418/mo
Today · 4.125%
HK$14,049
baseline
▲ 0.50% · 4.625%
HK$14,904
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,098/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,707
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,102
−HK$400/mo
Today · 4.125%
HK$15,502
baseline
▲ 0.50% · 4.625%
HK$16,319
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,004/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,424
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,903
−HK$488/mo
Today · 4.125%
HK$16,391
baseline
▲ 0.50% · 4.625%
HK$17,388
+HK$997/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,782/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,159
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,619
−HK$467/mo
Today · 4.125%
HK$18,086
baseline
▲ 0.50% · 4.625%
HK$19,039
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,172/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,830
−HK$1,244/mo
▼ 0.25% · 3.875%
HK$20,447
−HK$627/mo
Today · 4.125%
HK$21,074
baseline
▲ 0.50% · 4.625%
HK$22,356
+HK$1,282/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,148/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,061
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$22,653
−HK$600/mo
Today · 4.125%
HK$23,253
baseline
▲ 0.50% · 4.625%
HK$24,479
+HK$1,226/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,506/mo (50% DSR)
Upfront cash ≈ HK$584K (deposit + AVD stamp duty HK$100,639 · 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).