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$10,988
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,330
−HK$347/mo
Today · 4.125%
HK$11,677
baseline
▲ 0.50% · 4.625%
HK$12,388
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,354/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,224
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,552
−HK$332/mo
Today · 4.125%
HK$12,884
baseline
▲ 0.50% · 4.625%
HK$13,564
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,768/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,186
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,596
−HK$416/mo
Today · 4.125%
HK$14,012
baseline
▲ 0.50% · 4.625%
HK$14,865
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,024/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,669
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,062
−HK$399/mo
Today · 4.125%
HK$15,461
baseline
▲ 0.50% · 4.625%
HK$16,276
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,922/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,383
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,862
−HK$486/mo
Today · 4.125%
HK$16,348
baseline
▲ 0.50% · 4.625%
HK$17,343
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,696/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,114
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,573
−HK$465/mo
Today · 4.125%
HK$18,038
baseline
▲ 0.50% · 4.625%
HK$18,989
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,076/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,778
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,394
−HK$625/mo
Today · 4.125%
HK$21,019
baseline
▲ 0.50% · 4.625%
HK$22,298
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,038/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,375 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,003
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,593
−HK$599/mo
Today · 4.125%
HK$23,192
baseline
▲ 0.50% · 4.625%
HK$24,414
+HK$1,222/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,384/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,375 · 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).