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$10,992
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$347/mo
Today · 4.125%
HK$11,681
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,362/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,229
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,557
−HK$332/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,569
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,778/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,191
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,601
−HK$417/mo
Today · 4.125%
HK$14,018
baseline
▲ 0.50% · 4.625%
HK$14,871
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,036/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,674
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,068
−HK$399/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,283
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,389
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,868
−HK$486/mo
Today · 4.125%
HK$16,354
baseline
▲ 0.50% · 4.625%
HK$17,349
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,708/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,120
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,579
−HK$466/mo
Today · 4.125%
HK$18,045
baseline
▲ 0.50% · 4.625%
HK$18,996
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,090/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,786
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,401
−HK$626/mo
Today · 4.125%
HK$21,027
baseline
▲ 0.50% · 4.625%
HK$22,306
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,054/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,012
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,602
−HK$599/mo
Today · 4.125%
HK$23,201
baseline
▲ 0.50% · 4.625%
HK$24,424
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,402/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,559 · 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).