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$10,860
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,198
−HK$343/mo
Today · 4.125%
HK$11,541
baseline
▲ 0.50% · 4.625%
HK$12,243
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,082/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,081
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,405
−HK$329/mo
Today · 4.125%
HK$12,734
baseline
▲ 0.50% · 4.625%
HK$13,405
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,468/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,032
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,437
−HK$412/mo
Today · 4.125%
HK$13,849
baseline
▲ 0.50% · 4.625%
HK$14,692
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,698/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,498
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$394/mo
Today · 4.125%
HK$15,281
baseline
▲ 0.50% · 4.625%
HK$16,086
+HK$805/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,562/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,204
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,677
−HK$480/mo
Today · 4.125%
HK$16,157
baseline
▲ 0.50% · 4.625%
HK$17,140
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,314/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,914
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,368
−HK$460/mo
Today · 4.125%
HK$17,828
baseline
▲ 0.50% · 4.625%
HK$18,768
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,656/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,548
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,156
−HK$617/mo
Today · 4.125%
HK$20,773
baseline
▲ 0.50% · 4.625%
HK$22,038
+HK$1,265/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,546/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,755 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,747
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,330
−HK$592/mo
Today · 4.125%
HK$22,922
baseline
▲ 0.50% · 4.625%
HK$24,130
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,844/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,755 · 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).