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$10,982
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,323
−HK$347/mo
Today · 4.125%
HK$11,670
baseline
▲ 0.50% · 4.625%
HK$12,380
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,340/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,217
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,545
−HK$332/mo
Today · 4.125%
HK$12,877
baseline
▲ 0.50% · 4.625%
HK$13,556
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,754/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,178
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,588
−HK$416/mo
Today · 4.125%
HK$14,004
baseline
▲ 0.50% · 4.625%
HK$14,857
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,008/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,660
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,054
−HK$398/mo
Today · 4.125%
HK$15,452
baseline
▲ 0.50% · 4.625%
HK$16,267
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,904/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,374
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,853
−HK$485/mo
Today · 4.125%
HK$16,338
baseline
▲ 0.50% · 4.625%
HK$17,333
+HK$995/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,676/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,104
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,563
−HK$465/mo
Today · 4.125%
HK$18,028
baseline
▲ 0.50% · 4.625%
HK$18,978
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,056/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,767
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,382
−HK$625/mo
Today · 4.125%
HK$21,007
baseline
▲ 0.50% · 4.625%
HK$22,285
+HK$1,278/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$42,014/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,991
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,580
−HK$599/mo
Today · 4.125%
HK$23,179
baseline
▲ 0.50% · 4.625%
HK$24,400
+HK$1,221/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$46,358/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,098 · 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).