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$10,996
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$347/mo
Today · 4.125%
HK$11,685
baseline
▲ 0.50% · 4.625%
HK$12,396
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,370/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,233
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,561
−HK$333/mo
Today · 4.125%
HK$12,894
baseline
▲ 0.50% · 4.625%
HK$13,573
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,788/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,195
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,605
−HK$417/mo
Today · 4.125%
HK$14,022
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$854/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,044/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,679
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,073
−HK$399/mo
Today · 4.125%
HK$15,472
baseline
▲ 0.50% · 4.625%
HK$16,288
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,944/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,394
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,873
−HK$487/mo
Today · 4.125%
HK$16,360
baseline
▲ 0.50% · 4.625%
HK$17,355
+HK$995/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,720/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,126
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,585
−HK$466/mo
Today · 4.125%
HK$18,051
baseline
▲ 0.50% · 4.625%
HK$19,003
+HK$952/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,102/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,792
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,408
−HK$626/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,314
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,019
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,609
−HK$600/mo
Today · 4.125%
HK$23,209
baseline
▲ 0.50% · 4.625%
HK$24,432
+HK$1,223/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,418/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,720 · 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).