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$10,973
−HK$688/mo
▼ 0.25% · 3.875%
HK$11,314
−HK$347/mo
Today · 4.125%
HK$11,661
baseline
▲ 0.50% · 4.625%
HK$12,370
+HK$709/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,322/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,207
−HK$660/mo
▼ 0.25% · 3.875%
HK$12,534
−HK$333/mo
Today · 4.125%
HK$12,867
baseline
▲ 0.50% · 4.625%
HK$13,545
+HK$678/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,734/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$98,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,167
−HK$826/mo
▼ 0.25% · 3.875%
HK$13,577
−HK$416/mo
Today · 4.125%
HK$13,993
baseline
▲ 0.50% · 4.625%
HK$14,844
+HK$851/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$27,986/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,648
−HK$792/mo
▼ 0.25% · 3.875%
HK$15,041
−HK$399/mo
Today · 4.125%
HK$15,440
baseline
▲ 0.50% · 4.625%
HK$16,254
+HK$814/mo
Deposit HK$1.92M · loan HK$2.89M · min. income ≈ HK$30,880/mo (50% DSR)
Upfront cash ≈ HK$2.02M (deposit + AVD stamp duty HK$98,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,362
−HK$963/mo
▼ 0.25% · 3.875%
HK$15,840
−HK$485/mo
Today · 4.125%
HK$16,325
baseline
▲ 0.50% · 4.625%
HK$17,318
+HK$993/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$32,650/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,090
−HK$923/mo
▼ 0.25% · 3.875%
HK$17,548
−HK$465/mo
Today · 4.125%
HK$18,013
baseline
▲ 0.50% · 4.625%
HK$18,963
+HK$950/mo
Deposit HK$1.44M · loan HK$3.37M · min. income ≈ HK$36,026/mo (50% DSR)
Upfront cash ≈ HK$1.54M (deposit + AVD stamp duty HK$98,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,751
−HK$1,238/mo
▼ 0.25% · 3.875%
HK$20,365
−HK$624/mo
Today · 4.125%
HK$20,989
baseline
▲ 0.50% · 4.625%
HK$22,267
+HK$1,278/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$41,978/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,973
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$22,562
−HK$598/mo
Today · 4.125%
HK$23,160
baseline
▲ 0.50% · 4.625%
HK$24,381
+HK$1,221/mo
Deposit HK$481K · loan HK$4.33M · min. income ≈ HK$46,320/mo (50% DSR)
Upfront cash ≈ HK$580K (deposit + AVD stamp duty HK$98,705 · 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).