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$10,971
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,312
−HK$347/mo
Today · 4.125%
HK$11,659
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,318/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,205
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$332/mo
Today · 4.125%
HK$12,865
baseline
▲ 0.50% · 4.625%
HK$13,543
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,730/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,165
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,575
−HK$416/mo
Today · 4.125%
HK$13,991
baseline
▲ 0.50% · 4.625%
HK$14,842
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,982/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,646
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,039
−HK$399/mo
Today · 4.125%
HK$15,438
baseline
▲ 0.50% · 4.625%
HK$16,251
+HK$813/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,876/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,360
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,837
−HK$486/mo
Today · 4.125%
HK$16,323
baseline
▲ 0.50% · 4.625%
HK$17,316
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,646/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,087
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,546
−HK$465/mo
Today · 4.125%
HK$18,011
baseline
▲ 0.50% · 4.625%
HK$18,960
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,022/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,748
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,362
−HK$625/mo
Today · 4.125%
HK$20,987
baseline
▲ 0.50% · 4.625%
HK$22,264
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,974/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,970
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,559
−HK$598/mo
Today · 4.125%
HK$23,157
baseline
▲ 0.50% · 4.625%
HK$24,377
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,314/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,639 · 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).