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$10,985
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,327
−HK$347/mo
Today · 4.125%
HK$11,674
baseline
▲ 0.50% · 4.625%
HK$12,384
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,348/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,221
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,548
−HK$333/mo
Today · 4.125%
HK$12,881
baseline
▲ 0.50% · 4.625%
HK$13,560
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,762/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,182
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,592
−HK$417/mo
Today · 4.125%
HK$14,009
baseline
▲ 0.50% · 4.625%
HK$14,861
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,018/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,665
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,058
−HK$399/mo
Today · 4.125%
HK$15,457
baseline
▲ 0.50% · 4.625%
HK$16,272
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,914/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,379
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,857
−HK$486/mo
Today · 4.125%
HK$16,343
baseline
▲ 0.50% · 4.625%
HK$17,338
+HK$995/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,686/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,109
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,568
−HK$465/mo
Today · 4.125%
HK$18,033
baseline
▲ 0.50% · 4.625%
HK$18,984
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,066/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,773
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,388
−HK$625/mo
Today · 4.125%
HK$21,013
baseline
▲ 0.50% · 4.625%
HK$22,292
+HK$1,279/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,026/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,997
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,587
−HK$599/mo
Today · 4.125%
HK$23,186
baseline
▲ 0.50% · 4.625%
HK$24,408
+HK$1,222/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,372/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,246 · 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).