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$11,035
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,379
−HK$348/mo
Today · 4.125%
HK$11,727
baseline
▲ 0.50% · 4.625%
HK$12,441
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,454/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,449 · 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$13,622
+HK$682/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$101,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,242
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$419/mo
Today · 4.125%
HK$14,073
baseline
▲ 0.50% · 4.625%
HK$14,929
+HK$856/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$101,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,732
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$401/mo
Today · 4.125%
HK$15,528
baseline
▲ 0.50% · 4.625%
HK$16,346
+HK$818/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,056/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,449
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,930
−HK$488/mo
Today · 4.125%
HK$16,418
baseline
▲ 0.50% · 4.625%
HK$17,417
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,836/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$468/mo
Today · 4.125%
HK$18,116
baseline
▲ 0.50% · 4.625%
HK$19,071
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,232/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,246/mo
▼ 0.25% · 3.875%
HK$20,481
−HK$628/mo
Today · 4.125%
HK$21,109
baseline
▲ 0.50% · 4.625%
HK$22,394
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,218/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,098
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,691
−HK$601/mo
Today · 4.125%
HK$23,292
baseline
▲ 0.50% · 4.625%
HK$24,520
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,584/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,449 · 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).