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$10,871
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$343/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,256
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,106/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,094
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$329/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,496/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,046
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$413/mo
Today · 4.125%
HK$13,864
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,728/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,513
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$395/mo
Today · 4.125%
HK$15,297
baseline
▲ 0.50% · 4.625%
HK$16,104
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,594/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,220
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$481/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,159
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,348/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,932
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,386
−HK$461/mo
Today · 4.125%
HK$17,847
baseline
▲ 0.50% · 4.625%
HK$18,788
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,694/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,177
−HK$619/mo
Today · 4.125%
HK$20,796
baseline
▲ 0.50% · 4.625%
HK$22,061
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,592/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,770
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,354
−HK$592/mo
Today · 4.125%
HK$22,946
baseline
▲ 0.50% · 4.625%
HK$24,155
+HK$1,209/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,892/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,262 · 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).