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$10,875
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$343/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$704/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,114/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,099
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$329/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,425
+HK$673/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,504/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,050
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$413/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,713
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,738/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,908
−HK$395/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,110
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,606/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,226
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$481/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,393
−HK$460/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,576
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,185
−HK$618/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,778
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,362
−HK$592/mo
Today · 4.125%
HK$22,954
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,908/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,437 · 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).