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$10,853
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$343/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,236
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,068/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,074
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$329/mo
Today · 4.125%
HK$12,727
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,454/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,024
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,429
−HK$412/mo
Today · 4.125%
HK$13,841
baseline
▲ 0.50% · 4.625%
HK$14,683
+HK$842/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,682/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,489
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,878
−HK$394/mo
Today · 4.125%
HK$15,272
baseline
▲ 0.50% · 4.625%
HK$16,077
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,544/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,195
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$481/mo
Today · 4.125%
HK$16,148
baseline
▲ 0.50% · 4.625%
HK$17,130
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,296/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,904
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,357
−HK$460/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,757
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,536
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,144
−HK$617/mo
Today · 4.125%
HK$20,761
baseline
▲ 0.50% · 4.625%
HK$22,025
+HK$1,264/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,522/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,475 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,734
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,317
−HK$591/mo
Today · 4.125%
HK$22,908
baseline
▲ 0.50% · 4.625%
HK$24,116
+HK$1,208/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,816/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,475 · 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).