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$10,982
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,324
−HK$347/mo
Today · 4.125%
HK$11,671
baseline
▲ 0.50% · 4.625%
HK$12,381
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,342/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,218
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,545
−HK$333/mo
Today · 4.125%
HK$12,878
baseline
▲ 0.50% · 4.625%
HK$13,557
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,756/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,179
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,589
−HK$416/mo
Today · 4.125%
HK$14,005
baseline
▲ 0.50% · 4.625%
HK$14,857
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,010/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,661
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,055
−HK$398/mo
Today · 4.125%
HK$15,453
baseline
▲ 0.50% · 4.625%
HK$16,268
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,906/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,375
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,854
−HK$485/mo
Today · 4.125%
HK$16,339
baseline
▲ 0.50% · 4.625%
HK$17,334
+HK$995/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,678/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,105
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,564
−HK$465/mo
Today · 4.125%
HK$18,029
baseline
▲ 0.50% · 4.625%
HK$18,979
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,058/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,768
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,383
−HK$625/mo
Today · 4.125%
HK$21,008
baseline
▲ 0.50% · 4.625%
HK$22,286
+HK$1,278/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$42,016/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,129 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,992
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,582
−HK$598/mo
Today · 4.125%
HK$23,180
baseline
▲ 0.50% · 4.625%
HK$24,402
+HK$1,222/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$46,360/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,129 · 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).