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$10,973
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,314
−HK$347/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,371
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,322/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,208
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,535
−HK$332/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,168
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$417/mo
Today · 4.125%
HK$13,994
baseline
▲ 0.50% · 4.625%
HK$14,845
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,988/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,649
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,042
−HK$398/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,880/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,362
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$486/mo
Today · 4.125%
HK$16,326
baseline
▲ 0.50% · 4.625%
HK$17,319
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,652/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,091
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,549
−HK$465/mo
Today · 4.125%
HK$18,014
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,028/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,752
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,366
−HK$624/mo
Today · 4.125%
HK$20,990
baseline
▲ 0.50% · 4.625%
HK$22,268
+HK$1,278/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,980/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,725 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,974
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,563
−HK$598/mo
Today · 4.125%
HK$23,161
baseline
▲ 0.50% · 4.625%
HK$24,382
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,322/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,725 · 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).