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$10,972
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,313
−HK$347/mo
Today · 4.125%
HK$11,660
baseline
▲ 0.50% · 4.625%
HK$12,369
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,320/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,206
−HK$659/mo
▼ 0.25% · 3.875%
HK$12,533
−HK$332/mo
Today · 4.125%
HK$12,865
baseline
▲ 0.50% · 4.625%
HK$13,544
+HK$679/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,730/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,166
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,576
−HK$416/mo
Today · 4.125%
HK$13,992
baseline
▲ 0.50% · 4.625%
HK$14,843
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,984/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,647
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,040
−HK$398/mo
Today · 4.125%
HK$15,438
baseline
▲ 0.50% · 4.625%
HK$16,252
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,876/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,360
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,838
−HK$486/mo
Today · 4.125%
HK$16,324
baseline
▲ 0.50% · 4.625%
HK$17,317
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,648/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,088
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,547
−HK$465/mo
Today · 4.125%
HK$18,012
baseline
▲ 0.50% · 4.625%
HK$18,961
+HK$949/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,024/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,749
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,363
−HK$625/mo
Today · 4.125%
HK$20,988
baseline
▲ 0.50% · 4.625%
HK$22,265
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,976/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,971
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,560
−HK$598/mo
Today · 4.125%
HK$23,158
baseline
▲ 0.50% · 4.625%
HK$24,378
+HK$1,220/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,316/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,663 · 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).