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$10,979
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,321
−HK$347/mo
Today · 4.125%
HK$11,668
baseline
▲ 0.50% · 4.625%
HK$12,378
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,336/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,214
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$332/mo
Today · 4.125%
HK$12,874
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,748/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,175
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$416/mo
Today · 4.125%
HK$14,001
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,002/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,657
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,050
−HK$399/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,263
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,898/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,371
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,849
−HK$486/mo
Today · 4.125%
HK$16,335
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,670/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,558
−HK$466/mo
Today · 4.125%
HK$18,024
baseline
▲ 0.50% · 4.625%
HK$18,974
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,048/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,762
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,377
−HK$625/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,280
+HK$1,278/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,986 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,985
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,575
−HK$598/mo
Today · 4.125%
HK$23,173
baseline
▲ 0.50% · 4.625%
HK$24,395
+HK$1,222/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,346/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,986 · 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).