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$10,999
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$348/mo
Today · 4.125%
HK$11,689
baseline
▲ 0.50% · 4.625%
HK$12,400
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,378/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,236
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$333/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,794/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,199
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,609
−HK$417/mo
Today · 4.125%
HK$14,026
baseline
▲ 0.50% · 4.625%
HK$14,880
+HK$854/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,052/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,683
−HK$794/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$400/mo
Today · 4.125%
HK$15,477
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,954/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,877
−HK$487/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,360
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$466/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,008
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,798
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,414
−HK$625/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,320
+HK$1,281/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,025
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,616
−HK$599/mo
Today · 4.125%
HK$23,215
baseline
▲ 0.50% · 4.625%
HK$24,439
+HK$1,224/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,430/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,849 · 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).