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$10,980
−HK$688/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$99,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,215
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,542
−HK$333/mo
Today · 4.125%
HK$12,875
baseline
▲ 0.50% · 4.625%
HK$13,553
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,750/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,176
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,585
−HK$417/mo
Today · 4.125%
HK$14,002
baseline
▲ 0.50% · 4.625%
HK$14,854
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,004/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,658
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,051
−HK$399/mo
Today · 4.125%
HK$15,450
baseline
▲ 0.50% · 4.625%
HK$16,264
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,900/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,372
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,850
−HK$486/mo
Today · 4.125%
HK$16,336
baseline
▲ 0.50% · 4.625%
HK$17,329
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,672/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,101
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,559
−HK$466/mo
Today · 4.125%
HK$18,025
baseline
▲ 0.50% · 4.625%
HK$18,975
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,050/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,763
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,378
−HK$625/mo
Today · 4.125%
HK$21,003
baseline
▲ 0.50% · 4.625%
HK$22,281
+HK$1,278/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$42,006/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,012 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,987
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,576
−HK$599/mo
Today · 4.125%
HK$23,175
baseline
▲ 0.50% · 4.625%
HK$24,396
+HK$1,221/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$46,350/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,012 · 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).