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$11,033
−HK$692/mo
▼ 0.25% · 3.875%
HK$11,376
−HK$349/mo
Today · 4.125%
HK$11,725
baseline
▲ 0.50% · 4.625%
HK$12,438
+HK$713/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$23,450/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,274
−HK$663/mo
▼ 0.25% · 3.875%
HK$12,603
−HK$334/mo
Today · 4.125%
HK$12,937
baseline
▲ 0.50% · 4.625%
HK$13,619
+HK$682/mo
Deposit HK$2.42M · loan HK$2.42M · min. income ≈ HK$25,874/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$101,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,239
−HK$831/mo
▼ 0.25% · 3.875%
HK$13,651
−HK$419/mo
Today · 4.125%
HK$14,070
baseline
▲ 0.50% · 4.625%
HK$14,926
+HK$856/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$28,140/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,729
−HK$795/mo
▼ 0.25% · 3.875%
HK$15,124
−HK$400/mo
Today · 4.125%
HK$15,524
baseline
▲ 0.50% · 4.625%
HK$16,343
+HK$819/mo
Deposit HK$1.94M · loan HK$2.90M · min. income ≈ HK$31,048/mo (50% DSR)
Upfront cash ≈ HK$2.04M (deposit + AVD stamp duty HK$101,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,446
−HK$969/mo
▼ 0.25% · 3.875%
HK$15,926
−HK$489/mo
Today · 4.125%
HK$16,415
baseline
▲ 0.50% · 4.625%
HK$17,413
+HK$998/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$32,830/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,184
−HK$928/mo
▼ 0.25% · 3.875%
HK$17,644
−HK$468/mo
Today · 4.125%
HK$18,112
baseline
▲ 0.50% · 4.625%
HK$19,067
+HK$955/mo
Deposit HK$1.45M · loan HK$3.39M · min. income ≈ HK$36,224/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$101,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,859
−HK$1,245/mo
▼ 0.25% · 3.875%
HK$20,477
−HK$627/mo
Today · 4.125%
HK$21,104
baseline
▲ 0.50% · 4.625%
HK$22,389
+HK$1,285/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$42,208/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,093
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$22,686
−HK$601/mo
Today · 4.125%
HK$23,287
baseline
▲ 0.50% · 4.625%
HK$24,514
+HK$1,227/mo
Deposit HK$484K · loan HK$4.35M · min. income ≈ HK$46,574/mo (50% DSR)
Upfront cash ≈ HK$585K (deposit + AVD stamp duty HK$101,343 · 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).