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$10,986
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,328
−HK$347/mo
Today · 4.125%
HK$11,675
baseline
▲ 0.50% · 4.625%
HK$12,386
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,350/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,222
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,550
−HK$332/mo
Today · 4.125%
HK$12,882
baseline
▲ 0.50% · 4.625%
HK$13,561
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,764/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,183
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,593
−HK$417/mo
Today · 4.125%
HK$14,010
baseline
▲ 0.50% · 4.625%
HK$14,863
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,020/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,666
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,060
−HK$399/mo
Today · 4.125%
HK$15,459
baseline
▲ 0.50% · 4.625%
HK$16,274
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,918/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,381
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,859
−HK$486/mo
Today · 4.125%
HK$16,345
baseline
▲ 0.50% · 4.625%
HK$17,340
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,690/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,111
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,570
−HK$465/mo
Today · 4.125%
HK$18,035
baseline
▲ 0.50% · 4.625%
HK$18,986
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,070/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,775
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,390
−HK$625/mo
Today · 4.125%
HK$21,015
baseline
▲ 0.50% · 4.625%
HK$22,294
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,030/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,000
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,590
−HK$598/mo
Today · 4.125%
HK$23,188
baseline
▲ 0.50% · 4.625%
HK$24,410
+HK$1,222/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,376/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,296 · 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).