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$10,997
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,339
−HK$348/mo
Today · 4.125%
HK$11,687
baseline
▲ 0.50% · 4.625%
HK$12,398
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,374/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,234
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$332/mo
Today · 4.125%
HK$12,895
baseline
▲ 0.50% · 4.625%
HK$13,575
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,790/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,197
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,607
−HK$417/mo
Today · 4.125%
HK$14,024
baseline
▲ 0.50% · 4.625%
HK$14,878
+HK$854/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,048/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,681
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,075
−HK$400/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,290
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,950/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,396
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,875
−HK$487/mo
Today · 4.125%
HK$16,362
baseline
▲ 0.50% · 4.625%
HK$17,357
+HK$995/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,724/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,128
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$466/mo
Today · 4.125%
HK$18,054
baseline
▲ 0.50% · 4.625%
HK$19,005
+HK$951/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,108/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,795
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,411
−HK$626/mo
Today · 4.125%
HK$21,037
baseline
▲ 0.50% · 4.625%
HK$22,317
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,074/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,786 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,022
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$599/mo
Today · 4.125%
HK$23,212
baseline
▲ 0.50% · 4.625%
HK$24,435
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,424/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,786 · 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).