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$11,036
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$349/mo
Today · 4.125%
HK$11,728
baseline
▲ 0.50% · 4.625%
HK$12,441
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,456/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,277
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,606
−HK$334/mo
Today · 4.125%
HK$12,940
baseline
▲ 0.50% · 4.625%
HK$13,623
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,880/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,243
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,655
−HK$418/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,930
+HK$857/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,146/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,733
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,128
−HK$401/mo
Today · 4.125%
HK$15,529
baseline
▲ 0.50% · 4.625%
HK$16,347
+HK$818/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,058/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,450
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,931
−HK$488/mo
Today · 4.125%
HK$16,419
baseline
▲ 0.50% · 4.625%
HK$17,418
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,838/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,188
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,649
−HK$468/mo
Today · 4.125%
HK$18,117
baseline
▲ 0.50% · 4.625%
HK$19,072
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,234/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,864
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,482
−HK$628/mo
Today · 4.125%
HK$21,110
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,284/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,220/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,469 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,099
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,692
−HK$601/mo
Today · 4.125%
HK$23,293
baseline
▲ 0.50% · 4.625%
HK$24,521
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,586/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,469 · 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).