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$10,862
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,200
−HK$343/mo
Today · 4.125%
HK$11,543
baseline
▲ 0.50% · 4.625%
HK$12,246
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,086/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,084
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,408
−HK$329/mo
Today · 4.125%
HK$12,737
baseline
▲ 0.50% · 4.625%
HK$13,408
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,474/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,035
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,440
−HK$412/mo
Today · 4.125%
HK$13,852
baseline
▲ 0.50% · 4.625%
HK$14,695
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,704/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,501
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,890
−HK$394/mo
Today · 4.125%
HK$15,284
baseline
▲ 0.50% · 4.625%
HK$16,090
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,568/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,207
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,680
−HK$481/mo
Today · 4.125%
HK$16,161
baseline
▲ 0.50% · 4.625%
HK$17,144
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,322/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,918
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,372
−HK$460/mo
Today · 4.125%
HK$17,832
baseline
▲ 0.50% · 4.625%
HK$18,772
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,664/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,552
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,160
−HK$618/mo
Today · 4.125%
HK$20,778
baseline
▲ 0.50% · 4.625%
HK$22,043
+HK$1,265/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,556/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,864 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,752
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,335
−HK$592/mo
Today · 4.125%
HK$22,927
baseline
▲ 0.50% · 4.625%
HK$24,135
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,854/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,864 · 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).