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$10,968
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$346/mo
Today · 4.125%
HK$11,656
baseline
▲ 0.50% · 4.625%
HK$12,365
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,312/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,202
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,529
−HK$332/mo
Today · 4.125%
HK$12,861
baseline
▲ 0.50% · 4.625%
HK$13,539
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,722/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,162
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,571
−HK$416/mo
Today · 4.125%
HK$13,987
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$852/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,974/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,035
−HK$399/mo
Today · 4.125%
HK$15,434
baseline
▲ 0.50% · 4.625%
HK$16,247
+HK$813/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,868/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,356
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,833
−HK$486/mo
Today · 4.125%
HK$16,319
baseline
▲ 0.50% · 4.625%
HK$17,312
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,638/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,083
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,541
−HK$465/mo
Today · 4.125%
HK$18,006
baseline
▲ 0.50% · 4.625%
HK$18,955
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,012/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,743
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,357
−HK$624/mo
Today · 4.125%
HK$20,981
baseline
▲ 0.50% · 4.625%
HK$22,258
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,962/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,964
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,553
−HK$598/mo
Today · 4.125%
HK$23,151
baseline
▲ 0.50% · 4.625%
HK$24,371
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,302/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,517 · 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).