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$11,026
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,369
−HK$349/mo
Today · 4.125%
HK$11,718
baseline
▲ 0.50% · 4.625%
HK$12,431
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,436/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,267
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,596
−HK$333/mo
Today · 4.125%
HK$12,929
baseline
▲ 0.50% · 4.625%
HK$13,611
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,858/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,231
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,643
−HK$418/mo
Today · 4.125%
HK$14,061
baseline
▲ 0.50% · 4.625%
HK$14,917
+HK$856/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,122/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,720
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,115
−HK$400/mo
Today · 4.125%
HK$15,515
baseline
▲ 0.50% · 4.625%
HK$16,333
+HK$818/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$31,030/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,437
−HK$968/mo
▼ 0.25% · 3.875%
HK$15,917
−HK$488/mo
Today · 4.125%
HK$16,405
baseline
▲ 0.50% · 4.625%
HK$17,403
+HK$998/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,810/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,173
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,634
−HK$467/mo
Today · 4.125%
HK$18,101
baseline
▲ 0.50% · 4.625%
HK$19,055
+HK$954/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,202/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,847
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,465
−HK$627/mo
Today · 4.125%
HK$21,092
baseline
▲ 0.50% · 4.625%
HK$22,375
+HK$1,283/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,184/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,051 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,080
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$22,672
−HK$601/mo
Today · 4.125%
HK$23,273
baseline
▲ 0.50% · 4.625%
HK$24,499
+HK$1,226/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,546/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,051 · 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).