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$11,034
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,377
−HK$349/mo
Today · 4.125%
HK$11,726
baseline
▲ 0.50% · 4.625%
HK$12,439
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,452/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,275
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,604
−HK$334/mo
Today · 4.125%
HK$12,938
baseline
▲ 0.50% · 4.625%
HK$13,620
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,876/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,241
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,653
−HK$418/mo
Today · 4.125%
HK$14,071
baseline
▲ 0.50% · 4.625%
HK$14,927
+HK$856/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,142/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,730
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,125
−HK$401/mo
Today · 4.125%
HK$15,526
baseline
▲ 0.50% · 4.625%
HK$16,344
+HK$818/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,052/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,447
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,928
−HK$488/mo
Today · 4.125%
HK$16,416
baseline
▲ 0.50% · 4.625%
HK$17,415
+HK$999/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,832/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,185
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,646
−HK$468/mo
Today · 4.125%
HK$18,114
baseline
▲ 0.50% · 4.625%
HK$19,068
+HK$954/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,228/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,861
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,479
−HK$627/mo
Today · 4.125%
HK$21,106
baseline
▲ 0.50% · 4.625%
HK$22,391
+HK$1,285/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,212/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,389 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,095
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,688
−HK$601/mo
Today · 4.125%
HK$23,289
baseline
▲ 0.50% · 4.625%
HK$24,517
+HK$1,228/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,578/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,389 · 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).