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$10,981
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,322
−HK$347/mo
Today · 4.125%
HK$11,669
baseline
▲ 0.50% · 4.625%
HK$12,379
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,338/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,216
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,544
−HK$332/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,555
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,752/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,177
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,587
−HK$416/mo
Today · 4.125%
HK$14,003
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,006/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,659
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$399/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,266
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$486/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,102
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,561
−HK$465/mo
Today · 4.125%
HK$18,026
baseline
▲ 0.50% · 4.625%
HK$18,977
+HK$951/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,052/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,765
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,380
−HK$625/mo
Today · 4.125%
HK$21,005
baseline
▲ 0.50% · 4.625%
HK$22,283
+HK$1,278/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$42,010/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,057 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,989
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,578
−HK$599/mo
Today · 4.125%
HK$23,177
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,221/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$46,354/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,057 · 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).