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$10,848
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,185
−HK$343/mo
Today · 4.125%
HK$11,528
baseline
▲ 0.50% · 4.625%
HK$12,230
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,056/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,068
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,392
−HK$328/mo
Today · 4.125%
HK$12,720
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,440/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,018
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,422
−HK$412/mo
Today · 4.125%
HK$13,834
baseline
▲ 0.50% · 4.625%
HK$14,676
+HK$842/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,668/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,482
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,870
−HK$394/mo
Today · 4.125%
HK$15,264
baseline
▲ 0.50% · 4.625%
HK$16,069
+HK$805/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,528/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,187
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,660
−HK$480/mo
Today · 4.125%
HK$16,140
baseline
▲ 0.50% · 4.625%
HK$17,122
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,280/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$459/mo
Today · 4.125%
HK$17,808
baseline
▲ 0.50% · 4.625%
HK$18,747
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,616/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,526
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$617/mo
Today · 4.125%
HK$20,751
baseline
▲ 0.50% · 4.625%
HK$22,013
+HK$1,262/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,502/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,723
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,305
−HK$592/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,103
+HK$1,206/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,794/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,236 · 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).