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$10,973
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,315
−HK$347/mo
Today · 4.125%
HK$11,662
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,324/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,208
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$332/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,546
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,168
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,578
−HK$416/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,988/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,649
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$399/mo
Today · 4.125%
HK$15,441
baseline
▲ 0.50% · 4.625%
HK$16,255
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,882/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,363
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,841
−HK$485/mo
Today · 4.125%
HK$16,326
baseline
▲ 0.50% · 4.625%
HK$17,320
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,652/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,091
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,549
−HK$465/mo
Today · 4.125%
HK$18,014
baseline
▲ 0.50% · 4.625%
HK$18,964
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,028/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,752
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,367
−HK$624/mo
Today · 4.125%
HK$20,991
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,982/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,974
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$598/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,738 · 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).