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$10,998
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,340
−HK$348/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,399
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,376/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,235
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,563
−HK$333/mo
Today · 4.125%
HK$12,896
baseline
▲ 0.50% · 4.625%
HK$13,576
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,792/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,198
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,608
−HK$417/mo
Today · 4.125%
HK$14,025
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$854/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,050/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,682
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,076
−HK$399/mo
Today · 4.125%
HK$15,475
baseline
▲ 0.50% · 4.625%
HK$16,291
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,950/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,397
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,876
−HK$487/mo
Today · 4.125%
HK$16,363
baseline
▲ 0.50% · 4.625%
HK$17,358
+HK$995/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,726/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,129
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,589
−HK$466/mo
Today · 4.125%
HK$18,055
baseline
▲ 0.50% · 4.625%
HK$19,006
+HK$951/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,110/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,796
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,412
−HK$626/mo
Today · 4.125%
HK$21,038
baseline
▲ 0.50% · 4.625%
HK$22,318
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,076/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,813 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,023
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,614
−HK$599/mo
Today · 4.125%
HK$23,213
baseline
▲ 0.50% · 4.625%
HK$24,437
+HK$1,224/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,426/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,813 · 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).