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$11,029
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,373
−HK$348/mo
Today · 4.125%
HK$11,721
baseline
▲ 0.50% · 4.625%
HK$12,434
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,442/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,270
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,599
−HK$334/mo
Today · 4.125%
HK$12,933
baseline
▲ 0.50% · 4.625%
HK$13,615
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,866/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,235
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,647
−HK$418/mo
Today · 4.125%
HK$14,065
baseline
▲ 0.50% · 4.625%
HK$14,921
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,130/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,724
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$401/mo
Today · 4.125%
HK$15,520
baseline
▲ 0.50% · 4.625%
HK$16,338
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,040/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,441
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,922
−HK$488/mo
Today · 4.125%
HK$16,410
baseline
▲ 0.50% · 4.625%
HK$17,408
+HK$998/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,820/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,178
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,639
−HK$467/mo
Today · 4.125%
HK$18,106
baseline
▲ 0.50% · 4.625%
HK$19,061
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,212/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,853
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,471
−HK$627/mo
Today · 4.125%
HK$21,098
baseline
▲ 0.50% · 4.625%
HK$22,382
+HK$1,284/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,196/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,086
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,679
−HK$601/mo
Today · 4.125%
HK$23,280
baseline
▲ 0.50% · 4.625%
HK$24,507
+HK$1,227/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,560/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,194 · 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).