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$10,998
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$347/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$99,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,235
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$333/mo
Today · 4.125%
HK$12,896
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,792/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,197
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,608
−HK$417/mo
Today · 4.125%
HK$14,025
baseline
▲ 0.50% · 4.625%
HK$14,878
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,050/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,682
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,076
−HK$399/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$816/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$99,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,397
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$486/mo
Today · 4.125%
HK$16,362
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$996/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$99,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,588
−HK$466/mo
Today · 4.125%
HK$18,054
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$952/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$99,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$625/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$99,801 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,023
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,613
−HK$599/mo
Today · 4.125%
HK$23,212
baseline
▲ 0.50% · 4.625%
HK$24,436
+HK$1,224/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$99,801 · 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).