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$11,011
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,353
−HK$348/mo
Today · 4.125%
HK$11,701
baseline
▲ 0.50% · 4.625%
HK$12,413
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,402/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,249
−HK$662/mo
▼ 0.25% · 3.875%
HK$12,578
−HK$333/mo
Today · 4.125%
HK$12,911
baseline
▲ 0.50% · 4.625%
HK$13,592
+HK$681/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,822/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,213
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,624
−HK$417/mo
Today · 4.125%
HK$14,041
baseline
▲ 0.50% · 4.625%
HK$14,896
+HK$855/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,082/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,699
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,093
−HK$400/mo
Today · 4.125%
HK$15,493
baseline
▲ 0.50% · 4.625%
HK$16,310
+HK$817/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,986/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,415
−HK$967/mo
▼ 0.25% · 3.875%
HK$15,894
−HK$488/mo
Today · 4.125%
HK$16,382
baseline
▲ 0.50% · 4.625%
HK$17,378
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,764/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,149
−HK$927/mo
▼ 0.25% · 3.875%
HK$17,609
−HK$467/mo
Today · 4.125%
HK$18,076
baseline
▲ 0.50% · 4.625%
HK$19,028
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,152/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,819
−HK$1,243/mo
▼ 0.25% · 3.875%
HK$20,436
−HK$626/mo
Today · 4.125%
HK$21,062
baseline
▲ 0.50% · 4.625%
HK$22,344
+HK$1,282/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$42,124/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,049
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,640
−HK$600/mo
Today · 4.125%
HK$23,240
baseline
▲ 0.50% · 4.625%
HK$24,465
+HK$1,225/mo
Deposit HK$483K · loan HK$4.35M · min. income ≈ HK$46,480/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,371 · 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).