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$11,039
−HK$693/mo
▼ 0.25% · 3.875%
HK$11,383
−HK$349/mo
Today · 4.125%
HK$11,732
baseline
▲ 0.50% · 4.625%
HK$12,445
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,464/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,281
−HK$664/mo
▼ 0.25% · 3.875%
HK$12,610
−HK$335/mo
Today · 4.125%
HK$12,945
baseline
▲ 0.50% · 4.625%
HK$13,627
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,890/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,247
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,659
−HK$419/mo
Today · 4.125%
HK$14,078
baseline
▲ 0.50% · 4.625%
HK$14,934
+HK$856/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,156/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,737
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,133
−HK$400/mo
Today · 4.125%
HK$15,533
baseline
▲ 0.50% · 4.625%
HK$16,352
+HK$819/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,066/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,455
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,936
−HK$488/mo
Today · 4.125%
HK$16,424
baseline
▲ 0.50% · 4.625%
HK$17,423
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,848/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,193
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,655
−HK$467/mo
Today · 4.125%
HK$18,122
baseline
▲ 0.50% · 4.625%
HK$19,078
+HK$956/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,244/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,871
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,489
−HK$628/mo
Today · 4.125%
HK$21,117
baseline
▲ 0.50% · 4.625%
HK$22,402
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,234/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,106
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,699
−HK$601/mo
Today · 4.125%
HK$23,300
baseline
▲ 0.50% · 4.625%
HK$24,528
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,600/mo (50% DSR)
Upfront cash ≈ HK$586K (deposit + AVD stamp duty HK$101,624 · 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).