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$10,984
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,325
−HK$348/mo
Today · 4.125%
HK$11,673
baseline
▲ 0.50% · 4.625%
HK$12,383
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,346/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,219
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,547
−HK$333/mo
Today · 4.125%
HK$12,880
baseline
▲ 0.50% · 4.625%
HK$13,558
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,760/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,181
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,591
−HK$416/mo
Today · 4.125%
HK$14,007
baseline
▲ 0.50% · 4.625%
HK$14,859
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,014/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,663
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,056
−HK$399/mo
Today · 4.125%
HK$15,455
baseline
▲ 0.50% · 4.625%
HK$16,270
+HK$815/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,910/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,377
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,856
−HK$486/mo
Today · 4.125%
HK$16,342
baseline
▲ 0.50% · 4.625%
HK$17,336
+HK$994/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$32,684/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,107
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,566
−HK$465/mo
Today · 4.125%
HK$18,031
baseline
▲ 0.50% · 4.625%
HK$18,982
+HK$951/mo
Deposit HK$1.45M · loan HK$3.37M · min. income ≈ HK$36,062/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,771
−HK$1,240/mo
▼ 0.25% · 3.875%
HK$20,386
−HK$625/mo
Today · 4.125%
HK$21,011
baseline
▲ 0.50% · 4.625%
HK$22,289
+HK$1,278/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,022/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,192 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,995
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,585
−HK$598/mo
Today · 4.125%
HK$23,183
baseline
▲ 0.50% · 4.625%
HK$24,405
+HK$1,222/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,366/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,192 · 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).