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$10,976
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,317
−HK$347/mo
Today · 4.125%
HK$11,664
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,328/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,210
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,538
−HK$332/mo
Today · 4.125%
HK$12,870
baseline
▲ 0.50% · 4.625%
HK$13,549
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,740/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,171
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$416/mo
Today · 4.125%
HK$13,997
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$27,994/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,652
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,045
−HK$399/mo
Today · 4.125%
HK$15,444
baseline
▲ 0.50% · 4.625%
HK$16,258
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,888/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,366
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,844
−HK$486/mo
Today · 4.125%
HK$16,330
baseline
▲ 0.50% · 4.625%
HK$17,323
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,660/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,095
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,553
−HK$465/mo
Today · 4.125%
HK$18,018
baseline
▲ 0.50% · 4.625%
HK$18,968
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,036/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,756
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,371
−HK$624/mo
Today · 4.125%
HK$20,995
baseline
▲ 0.50% · 4.625%
HK$22,273
+HK$1,278/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,990/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,979
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,568
−HK$598/mo
Today · 4.125%
HK$23,166
baseline
▲ 0.50% · 4.625%
HK$24,387
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,332/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,839 · 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).