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$10,996
−HK$690/mo
▼ 0.25% · 3.875%
HK$11,338
−HK$348/mo
Today · 4.125%
HK$11,686
baseline
▲ 0.50% · 4.625%
HK$12,397
+HK$711/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$23,372/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,233
−HK$661/mo
▼ 0.25% · 3.875%
HK$12,561
−HK$333/mo
Today · 4.125%
HK$12,894
baseline
▲ 0.50% · 4.625%
HK$13,574
+HK$680/mo
Deposit HK$2.41M · loan HK$2.41M · min. income ≈ HK$25,788/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$99,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,196
−HK$827/mo
▼ 0.25% · 3.875%
HK$13,606
−HK$417/mo
Today · 4.125%
HK$14,023
baseline
▲ 0.50% · 4.625%
HK$14,876
+HK$853/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$28,046/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,680
−HK$793/mo
▼ 0.25% · 3.875%
HK$15,074
−HK$399/mo
Today · 4.125%
HK$15,473
baseline
▲ 0.50% · 4.625%
HK$16,289
+HK$816/mo
Deposit HK$1.93M · loan HK$2.89M · min. income ≈ HK$30,946/mo (50% DSR)
Upfront cash ≈ HK$2.03M (deposit + AVD stamp duty HK$99,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,395
−HK$965/mo
▼ 0.25% · 3.875%
HK$15,874
−HK$486/mo
Today · 4.125%
HK$16,360
baseline
▲ 0.50% · 4.625%
HK$17,356
+HK$996/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$32,720/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,127
−HK$925/mo
▼ 0.25% · 3.875%
HK$17,586
−HK$466/mo
Today · 4.125%
HK$18,052
baseline
▲ 0.50% · 4.625%
HK$19,003
+HK$951/mo
Deposit HK$1.45M · loan HK$3.38M · min. income ≈ HK$36,104/mo (50% DSR)
Upfront cash ≈ HK$1.55M (deposit + AVD stamp duty HK$99,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,793
−HK$1,241/mo
▼ 0.25% · 3.875%
HK$20,409
−HK$625/mo
Today · 4.125%
HK$21,034
baseline
▲ 0.50% · 4.625%
HK$22,314
+HK$1,280/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$42,068/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,020
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$22,610
−HK$599/mo
Today · 4.125%
HK$23,209
baseline
▲ 0.50% · 4.625%
HK$24,433
+HK$1,224/mo
Deposit HK$482K · loan HK$4.34M · min. income ≈ HK$46,418/mo (50% DSR)
Upfront cash ≈ HK$582K (deposit + AVD stamp duty HK$99,738 · 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).