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$10,978
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,320
−HK$347/mo
Today · 4.125%
HK$11,667
baseline
▲ 0.50% · 4.625%
HK$12,376
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,334/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,213
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,541
−HK$332/mo
Today · 4.125%
HK$12,873
baseline
▲ 0.50% · 4.625%
HK$13,551
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,746/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,174
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,584
−HK$416/mo
Today · 4.125%
HK$14,000
baseline
▲ 0.50% · 4.625%
HK$14,852
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,000/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,656
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,049
−HK$398/mo
Today · 4.125%
HK$15,447
baseline
▲ 0.50% · 4.625%
HK$16,262
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,894/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,369
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,847
−HK$486/mo
Today · 4.125%
HK$16,333
baseline
▲ 0.50% · 4.625%
HK$17,327
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,666/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,098
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,557
−HK$465/mo
Today · 4.125%
HK$18,022
baseline
▲ 0.50% · 4.625%
HK$18,972
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,044/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,761
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,375
−HK$625/mo
Today · 4.125%
HK$21,000
baseline
▲ 0.50% · 4.625%
HK$22,278
+HK$1,278/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$42,000/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,983
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,573
−HK$598/mo
Today · 4.125%
HK$23,171
baseline
▲ 0.50% · 4.625%
HK$24,393
+HK$1,222/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,342/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,943 · 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).