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$10,974
−HK$689/mo
▼ 0.25% · 3.875%
HK$11,316
−HK$347/mo
Today · 4.125%
HK$11,663
baseline
▲ 0.50% · 4.625%
HK$12,372
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,326/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,209
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,536
−HK$333/mo
Today · 4.125%
HK$12,869
baseline
▲ 0.50% · 4.625%
HK$13,547
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,738/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$98,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,169
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,579
−HK$416/mo
Today · 4.125%
HK$13,995
baseline
▲ 0.50% · 4.625%
HK$14,847
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$27,990/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,651
−HK$791/mo
▼ 0.25% · 3.875%
HK$15,044
−HK$398/mo
Today · 4.125%
HK$15,442
baseline
▲ 0.50% · 4.625%
HK$16,256
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,884/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,364
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,842
−HK$486/mo
Today · 4.125%
HK$16,328
baseline
▲ 0.50% · 4.625%
HK$17,321
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,656/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,093
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,551
−HK$465/mo
Today · 4.125%
HK$18,016
baseline
▲ 0.50% · 4.625%
HK$18,966
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,032/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,754
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,368
−HK$625/mo
Today · 4.125%
HK$20,993
baseline
▲ 0.50% · 4.625%
HK$22,270
+HK$1,277/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,986/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,781 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,976
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,565
−HK$598/mo
Today · 4.125%
HK$23,163
baseline
▲ 0.50% · 4.625%
HK$24,384
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,326/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,781 · 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).