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$10,976
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,318
−HK$347/mo
Today · 4.125%
HK$11,665
baseline
▲ 0.50% · 4.625%
HK$12,374
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,330/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,211
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,539
−HK$332/mo
Today · 4.125%
HK$12,871
baseline
▲ 0.50% · 4.625%
HK$13,549
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,742/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,172
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,581
−HK$417/mo
Today · 4.125%
HK$13,998
baseline
▲ 0.50% · 4.625%
HK$14,849
+HK$851/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$27,996/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,653
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,046
−HK$399/mo
Today · 4.125%
HK$15,445
baseline
▲ 0.50% · 4.625%
HK$16,259
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,890/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,367
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,845
−HK$486/mo
Today · 4.125%
HK$16,331
baseline
▲ 0.50% · 4.625%
HK$17,324
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,662/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,096
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,554
−HK$465/mo
Today · 4.125%
HK$18,019
baseline
▲ 0.50% · 4.625%
HK$18,969
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,038/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,757
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,372
−HK$624/mo
Today · 4.125%
HK$20,996
baseline
▲ 0.50% · 4.625%
HK$22,274
+HK$1,278/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,992/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,866 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,980
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,569
−HK$599/mo
Today · 4.125%
HK$23,168
baseline
▲ 0.50% · 4.625%
HK$24,389
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,336/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,866 · 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).