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$10,870
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,208
−HK$343/mo
Today · 4.125%
HK$11,551
baseline
▲ 0.50% · 4.625%
HK$12,254
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,102/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,093
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$329/mo
Today · 4.125%
HK$12,746
baseline
▲ 0.50% · 4.625%
HK$13,418
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,492/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,044
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,449
−HK$413/mo
Today · 4.125%
HK$13,862
baseline
▲ 0.50% · 4.625%
HK$14,705
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,724/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,511
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,900
−HK$395/mo
Today · 4.125%
HK$15,295
baseline
▲ 0.50% · 4.625%
HK$16,101
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,590/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,218
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,691
−HK$481/mo
Today · 4.125%
HK$16,172
baseline
▲ 0.50% · 4.625%
HK$17,156
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,344/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$460/mo
Today · 4.125%
HK$17,844
baseline
▲ 0.50% · 4.625%
HK$18,785
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,688/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,566
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,174
−HK$619/mo
Today · 4.125%
HK$20,793
baseline
▲ 0.50% · 4.625%
HK$22,058
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,586/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,767
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,350
−HK$592/mo
Today · 4.125%
HK$22,942
baseline
▲ 0.50% · 4.625%
HK$24,152
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,884/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,191 · 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).