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$11,001
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,343
−HK$348/mo
Today · 4.125%
HK$11,691
baseline
▲ 0.50% · 4.625%
HK$12,402
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,382/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,239
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,567
−HK$333/mo
Today · 4.125%
HK$12,900
baseline
▲ 0.50% · 4.625%
HK$13,580
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,800/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,201
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,612
−HK$417/mo
Today · 4.125%
HK$14,029
baseline
▲ 0.50% · 4.625%
HK$14,883
+HK$854/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,058/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,686
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,080
−HK$400/mo
Today · 4.125%
HK$15,480
baseline
▲ 0.50% · 4.625%
HK$16,296
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,960/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,402
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,881
−HK$486/mo
Today · 4.125%
HK$16,367
baseline
▲ 0.50% · 4.625%
HK$17,363
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,734/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,134
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,594
−HK$466/mo
Today · 4.125%
HK$18,060
baseline
▲ 0.50% · 4.625%
HK$19,012
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,120/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,802
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,418
−HK$626/mo
Today · 4.125%
HK$21,044
baseline
▲ 0.50% · 4.625%
HK$22,324
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,088/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,030
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,620
−HK$600/mo
Today · 4.125%
HK$23,220
baseline
▲ 0.50% · 4.625%
HK$24,444
+HK$1,224/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,440/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,952 · 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).