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$11,378
−HK$349/mo
Today · 4.125%
HK$11,727
baseline
▲ 0.50% · 4.625%
HK$12,440
+HK$713/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$101,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,276
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,605
−HK$334/mo
Today · 4.125%
HK$12,939
baseline
▲ 0.50% · 4.625%
HK$13,622
+HK$683/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,878/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,242
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,654
−HK$418/mo
Today · 4.125%
HK$14,072
baseline
▲ 0.50% · 4.625%
HK$14,929
+HK$857/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,144/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,731
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,127
−HK$400/mo
Today · 4.125%
HK$15,527
baseline
▲ 0.50% · 4.625%
HK$16,346
+HK$819/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,054/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,449
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,929
−HK$489/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$101,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,187
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,648
−HK$467/mo
Today · 4.125%
HK$18,115
baseline
▲ 0.50% · 4.625%
HK$19,070
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,230/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,863
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,481
−HK$627/mo
Today · 4.125%
HK$21,108
baseline
▲ 0.50% · 4.625%
HK$22,393
+HK$1,285/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$42,216/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,097
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,690
−HK$601/mo
Today · 4.125%
HK$23,291
baseline
▲ 0.50% · 4.625%
HK$24,519
+HK$1,228/mo
Deposit HK$484K · loan HK$4.36M · min. income ≈ HK$46,582/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,433 · 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).