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$11,031
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,375
−HK$348/mo
Today · 4.125%
HK$11,723
baseline
▲ 0.50% · 4.625%
HK$12,437
+HK$714/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,446/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,272
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,602
−HK$333/mo
Today · 4.125%
HK$12,935
baseline
▲ 0.50% · 4.625%
HK$13,617
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,870/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,238
−HK$830/mo
▼ 0.25% · 3.875%
HK$13,650
−HK$418/mo
Today · 4.125%
HK$14,068
baseline
▲ 0.50% · 4.625%
HK$14,924
+HK$856/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,136/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,727
−HK$796/mo
▼ 0.25% · 3.875%
HK$15,122
−HK$401/mo
Today · 4.125%
HK$15,523
baseline
▲ 0.50% · 4.625%
HK$16,341
+HK$818/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,046/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,444
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,924
−HK$489/mo
Today · 4.125%
HK$16,413
baseline
▲ 0.50% · 4.625%
HK$17,411
+HK$998/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,826/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,181
−HK$929/mo
▼ 0.25% · 3.875%
HK$17,642
−HK$468/mo
Today · 4.125%
HK$18,110
baseline
▲ 0.50% · 4.625%
HK$19,064
+HK$954/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,220/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,857
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,474
−HK$628/mo
Today · 4.125%
HK$21,102
baseline
▲ 0.50% · 4.625%
HK$22,386
+HK$1,284/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,204/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,090
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,683
−HK$601/mo
Today · 4.125%
HK$23,284
baseline
▲ 0.50% · 4.625%
HK$24,511
+HK$1,227/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,568/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,282 · 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).