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$10,970
−HK$687/mo
▼ 0.25% · 3.875%
HK$11,311
−HK$346/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,367
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,314/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,204
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,531
−HK$332/mo
Today · 4.125%
HK$12,863
baseline
▲ 0.50% · 4.625%
HK$13,541
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,726/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,163
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,573
−HK$416/mo
Today · 4.125%
HK$13,989
baseline
▲ 0.50% · 4.625%
HK$14,840
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,978/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,644
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,037
−HK$398/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,249
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,870/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,357
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,835
−HK$485/mo
Today · 4.125%
HK$16,320
baseline
▲ 0.50% · 4.625%
HK$17,313
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,640/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,085
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,543
−HK$465/mo
Today · 4.125%
HK$18,008
baseline
▲ 0.50% · 4.625%
HK$18,957
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,016/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,745
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,359
−HK$624/mo
Today · 4.125%
HK$20,983
baseline
▲ 0.50% · 4.625%
HK$22,260
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,966/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,568 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,966
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,555
−HK$598/mo
Today · 4.125%
HK$23,153
baseline
▲ 0.50% · 4.625%
HK$24,374
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,306/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,568 · 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).