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$10,847
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,184
−HK$343/mo
Today · 4.125%
HK$11,527
baseline
▲ 0.50% · 4.625%
HK$12,228
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,054/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,067
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,391
−HK$328/mo
Today · 4.125%
HK$12,719
baseline
▲ 0.50% · 4.625%
HK$13,389
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,438/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,016
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,421
−HK$411/mo
Today · 4.125%
HK$13,832
baseline
▲ 0.50% · 4.625%
HK$14,674
+HK$842/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,664/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,480
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,869
−HK$394/mo
Today · 4.125%
HK$15,263
baseline
▲ 0.50% · 4.625%
HK$16,067
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,526/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,185
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,658
−HK$480/mo
Today · 4.125%
HK$16,138
baseline
▲ 0.50% · 4.625%
HK$17,120
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,276/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,894
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,347
−HK$459/mo
Today · 4.125%
HK$17,806
baseline
▲ 0.50% · 4.625%
HK$18,745
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,612/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,524
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,131
−HK$617/mo
Today · 4.125%
HK$20,748
baseline
▲ 0.50% · 4.625%
HK$22,011
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,496/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,181 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,720
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,303
−HK$591/mo
Today · 4.125%
HK$22,894
baseline
▲ 0.50% · 4.625%
HK$24,101
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,788/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,181 · 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).