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$10,969
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,310
−HK$347/mo
Today · 4.125%
HK$11,657
baseline
▲ 0.50% · 4.625%
HK$12,366
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,314/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,203
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,530
−HK$332/mo
Today · 4.125%
HK$12,862
baseline
▲ 0.50% · 4.625%
HK$13,540
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,724/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,163
−HK$825/mo
▼ 0.25% · 3.875%
HK$13,572
−HK$416/mo
Today · 4.125%
HK$13,988
baseline
▲ 0.50% · 4.625%
HK$14,839
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,976/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,643
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,036
−HK$399/mo
Today · 4.125%
HK$15,435
baseline
▲ 0.50% · 4.625%
HK$16,248
+HK$813/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,870/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,356
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,834
−HK$485/mo
Today · 4.125%
HK$16,319
baseline
▲ 0.50% · 4.625%
HK$17,312
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,638/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,084
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,542
−HK$465/mo
Today · 4.125%
HK$18,007
baseline
▲ 0.50% · 4.625%
HK$18,956
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,014/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,744
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,358
−HK$624/mo
Today · 4.125%
HK$20,982
baseline
▲ 0.50% · 4.625%
HK$22,259
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,964/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,965
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,554
−HK$598/mo
Today · 4.125%
HK$23,152
baseline
▲ 0.50% · 4.625%
HK$24,372
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,304/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,540 · 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).