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$10,977
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,319
−HK$347/mo
Today · 4.125%
HK$11,666
baseline
▲ 0.50% · 4.625%
HK$12,375
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,332/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,212
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,540
−HK$332/mo
Today · 4.125%
HK$12,872
baseline
▲ 0.50% · 4.625%
HK$13,550
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,744/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,173
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,582
−HK$417/mo
Today · 4.125%
HK$13,999
baseline
▲ 0.50% · 4.625%
HK$14,850
+HK$851/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$27,998/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,654
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,047
−HK$399/mo
Today · 4.125%
HK$15,446
baseline
▲ 0.50% · 4.625%
HK$16,260
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,892/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,368
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,846
−HK$486/mo
Today · 4.125%
HK$16,332
baseline
▲ 0.50% · 4.625%
HK$17,326
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,664/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,097
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,555
−HK$466/mo
Today · 4.125%
HK$18,021
baseline
▲ 0.50% · 4.625%
HK$18,970
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,042/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,759
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,374
−HK$624/mo
Today · 4.125%
HK$20,998
baseline
▲ 0.50% · 4.625%
HK$22,276
+HK$1,278/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,996/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,982
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,571
−HK$598/mo
Today · 4.125%
HK$23,169
baseline
▲ 0.50% · 4.625%
HK$24,391
+HK$1,222/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,338/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,902 · 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).