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$689/mo
▼ 0.25% · 3.875%
HK$11,331
−HK$347/mo
Today · 4.125%
HK$11,678
baseline
▲ 0.50% · 4.625%
HK$12,389
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,356/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,225
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,553
−HK$333/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$99,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,187
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,597
−HK$417/mo
Today · 4.125%
HK$14,014
baseline
▲ 0.50% · 4.625%
HK$14,866
+HK$852/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$99,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,670
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,064
−HK$399/mo
Today · 4.125%
HK$15,463
baseline
▲ 0.50% · 4.625%
HK$16,278
+HK$815/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$99,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,384
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,863
−HK$486/mo
Today · 4.125%
HK$16,349
baseline
▲ 0.50% · 4.625%
HK$17,344
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,698/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,115
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,574
−HK$466/mo
Today · 4.125%
HK$18,040
baseline
▲ 0.50% · 4.625%
HK$18,991
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,080/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,780
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,395
−HK$625/mo
Today · 4.125%
HK$21,020
baseline
▲ 0.50% · 4.625%
HK$22,299
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,040/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,005
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,595
−HK$599/mo
Today · 4.125%
HK$23,194
baseline
▲ 0.50% · 4.625%
HK$24,417
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,388/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,417 · 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).