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$99,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,215
−HK$659/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$99,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,175
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$417/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,853
+HK$851/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$99,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,657
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,051
−HK$398/mo
Today · 4.125%
HK$15,449
baseline
▲ 0.50% · 4.625%
HK$16,264
+HK$815/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$99,000 · 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$99,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,100
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$465/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$99,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,378
−HK$624/mo
Today · 4.125%
HK$21,002
baseline
▲ 0.50% · 4.625%
HK$22,280
+HK$1,278/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$42,004/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$99,000 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,986
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,576
−HK$598/mo
Today · 4.125%
HK$23,174
baseline
▲ 0.50% · 4.625%
HK$24,395
+HK$1,221/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$46,348/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$99,000 · 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).