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$689/mo
▼ 0.25% · 3.875%
HK$11,322
−HK$347/mo
Today · 4.125%
HK$11,669
baseline
▲ 0.50% · 4.625%
HK$12,379
+HK$710/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,338/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,216
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,543
−HK$333/mo
Today · 4.125%
HK$12,876
baseline
▲ 0.50% · 4.625%
HK$13,554
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,752/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,176
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,586
−HK$417/mo
Today · 4.125%
HK$14,003
baseline
▲ 0.50% · 4.625%
HK$14,855
+HK$852/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,006/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,659
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,052
−HK$399/mo
Today · 4.125%
HK$15,451
baseline
▲ 0.50% · 4.625%
HK$16,265
+HK$814/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,902/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,373
−HK$964/mo
▼ 0.25% · 3.875%
HK$15,851
−HK$486/mo
Today · 4.125%
HK$16,337
baseline
▲ 0.50% · 4.625%
HK$17,331
+HK$994/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,674/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,102
−HK$924/mo
▼ 0.25% · 3.875%
HK$17,560
−HK$466/mo
Today · 4.125%
HK$18,026
baseline
▲ 0.50% · 4.625%
HK$18,976
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,052/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$99,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,765
−HK$1,239/mo
▼ 0.25% · 3.875%
HK$20,379
−HK$625/mo
Today · 4.125%
HK$21,004
baseline
▲ 0.50% · 4.625%
HK$22,282
+HK$1,278/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$42,008/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,988
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$22,578
−HK$598/mo
Today · 4.125%
HK$23,176
baseline
▲ 0.50% · 4.625%
HK$24,398
+HK$1,222/mo
Deposit HK$482K · loan HK$4.33M · min. income ≈ HK$46,352/mo (50% DSR)
Upfront cash ≈ HK$581K (deposit + AVD stamp duty HK$99,042 · 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).