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$11,005
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,347
−HK$348/mo
Today · 4.125%
HK$11,695
baseline
▲ 0.50% · 4.625%
HK$12,407
+HK$712/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,390/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,243
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,571
−HK$333/mo
Today · 4.125%
HK$12,904
baseline
▲ 0.50% · 4.625%
HK$13,584
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,808/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$100,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,206
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,617
−HK$417/mo
Today · 4.125%
HK$14,034
baseline
▲ 0.50% · 4.625%
HK$14,888
+HK$854/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$28,068/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,691
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,085
−HK$400/mo
Today · 4.125%
HK$15,485
baseline
▲ 0.50% · 4.625%
HK$16,301
+HK$816/mo
Deposit HK$1.93M · loan HK$2.90M · min. income ≈ HK$30,970/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$100,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,407
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,886
−HK$487/mo
Today · 4.125%
HK$16,373
baseline
▲ 0.50% · 4.625%
HK$17,369
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,746/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,140
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,600
−HK$466/mo
Today · 4.125%
HK$18,066
baseline
▲ 0.50% · 4.625%
HK$19,018
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,132/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$100,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,809
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,425
−HK$626/mo
Today · 4.125%
HK$21,051
baseline
▲ 0.50% · 4.625%
HK$22,332
+HK$1,281/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$42,102/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,037
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$22,628
−HK$600/mo
Today · 4.125%
HK$23,228
baseline
▲ 0.50% · 4.625%
HK$24,452
+HK$1,224/mo
Deposit HK$483K · loan HK$4.34M · min. income ≈ HK$46,456/mo (50% DSR)
Upfront cash ≈ HK$583K (deposit + AVD stamp duty HK$100,118 · 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).