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$10,992
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,334
−HK$347/mo
Today · 4.125%
HK$11,681
baseline
▲ 0.50% · 4.625%
HK$12,392
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,362/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,228
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,556
−HK$333/mo
Today · 4.125%
HK$12,889
baseline
▲ 0.50% · 4.625%
HK$13,568
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,778/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,190
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,600
−HK$417/mo
Today · 4.125%
HK$14,017
baseline
▲ 0.50% · 4.625%
HK$14,870
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,034/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,674
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,067
−HK$400/mo
Today · 4.125%
HK$15,467
baseline
▲ 0.50% · 4.625%
HK$16,282
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,934/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,388
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,867
−HK$486/mo
Today · 4.125%
HK$16,353
baseline
▲ 0.50% · 4.625%
HK$17,348
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,706/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,119
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,579
−HK$465/mo
Today · 4.125%
HK$18,044
baseline
▲ 0.50% · 4.625%
HK$18,995
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,088/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,785
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,400
−HK$626/mo
Today · 4.125%
HK$21,026
baseline
▲ 0.50% · 4.625%
HK$22,305
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,052/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,539 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,011
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,601
−HK$599/mo
Today · 4.125%
HK$23,200
baseline
▲ 0.50% · 4.625%
HK$24,423
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,400/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,539 · 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).