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$10,989
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$348/mo
Today · 4.125%
HK$11,679
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,358/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,226
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,554
−HK$332/mo
Today · 4.125%
HK$12,886
baseline
▲ 0.50% · 4.625%
HK$13,565
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,772/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,598
−HK$416/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,867
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,028/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,671
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$399/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,279
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,926/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,385
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,864
−HK$486/mo
Today · 4.125%
HK$16,350
baseline
▲ 0.50% · 4.625%
HK$17,345
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,700/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,116
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,575
−HK$466/mo
Today · 4.125%
HK$18,041
baseline
▲ 0.50% · 4.625%
HK$18,992
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,082/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,781
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,396
−HK$625/mo
Today · 4.125%
HK$21,021
baseline
▲ 0.50% · 4.625%
HK$22,301
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,042/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,441 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,006
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,596
−HK$599/mo
Today · 4.125%
HK$23,195
baseline
▲ 0.50% · 4.625%
HK$24,418
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,390/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,441 · 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).