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$10,999
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,341
−HK$347/mo
Today · 4.125%
HK$11,688
baseline
▲ 0.50% · 4.625%
HK$12,400
+HK$712/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$99,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,236
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,564
−HK$333/mo
Today · 4.125%
HK$12,897
baseline
▲ 0.50% · 4.625%
HK$13,577
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,794/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,198
−HK$828/mo
▼ 0.25% · 3.875%
HK$13,609
−HK$417/mo
Today · 4.125%
HK$14,026
baseline
▲ 0.50% · 4.625%
HK$14,879
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,052/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,683
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$399/mo
Today · 4.125%
HK$15,476
baseline
▲ 0.50% · 4.625%
HK$16,292
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,952/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,398
−HK$966/mo
▼ 0.25% · 3.875%
HK$15,877
−HK$487/mo
Today · 4.125%
HK$16,364
baseline
▲ 0.50% · 4.625%
HK$17,359
+HK$995/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,728/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,130
−HK$926/mo
▼ 0.25% · 3.875%
HK$17,590
−HK$466/mo
Today · 4.125%
HK$18,056
baseline
▲ 0.50% · 4.625%
HK$19,007
+HK$951/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,112/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,797
−HK$1,242/mo
▼ 0.25% · 3.875%
HK$20,413
−HK$626/mo
Today · 4.125%
HK$21,039
baseline
▲ 0.50% · 4.625%
HK$22,319
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,078/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,024
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$22,615
−HK$599/mo
Today · 4.125%
HK$23,214
baseline
▲ 0.50% · 4.625%
HK$24,438
+HK$1,224/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,428/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,841 · 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).