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$11,008
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,350
−HK$348/mo
Today · 4.125%
HK$11,698
baseline
▲ 0.50% · 4.625%
HK$12,410
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,396/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,246
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,575
−HK$333/mo
Today · 4.125%
HK$12,908
baseline
▲ 0.50% · 4.625%
HK$13,588
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,816/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,210
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,621
−HK$417/mo
Today · 4.125%
HK$14,038
baseline
▲ 0.50% · 4.625%
HK$14,892
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,076/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,696
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,090
−HK$400/mo
Today · 4.125%
HK$15,490
baseline
▲ 0.50% · 4.625%
HK$16,306
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,980/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,411
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,891
−HK$487/mo
Today · 4.125%
HK$16,378
baseline
▲ 0.50% · 4.625%
HK$17,374
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,756/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,145
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,605
−HK$466/mo
Today · 4.125%
HK$18,071
baseline
▲ 0.50% · 4.625%
HK$19,024
+HK$953/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,142/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,814
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,431
−HK$626/mo
Today · 4.125%
HK$21,057
baseline
▲ 0.50% · 4.625%
HK$22,338
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,114/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,043
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,635
−HK$599/mo
Today · 4.125%
HK$23,234
baseline
▲ 0.50% · 4.625%
HK$24,459
+HK$1,225/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,468/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,255 · 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).