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$10,876
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,214
−HK$344/mo
Today · 4.125%
HK$11,558
baseline
▲ 0.50% · 4.625%
HK$12,261
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,116/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,100
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,424
−HK$329/mo
Today · 4.125%
HK$12,753
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$673/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,506/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,051
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,457
−HK$413/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,714
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,740/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,909
−HK$395/mo
Today · 4.125%
HK$15,304
baseline
▲ 0.50% · 4.625%
HK$16,111
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,608/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,227
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,700
−HK$481/mo
Today · 4.125%
HK$16,181
baseline
▲ 0.50% · 4.625%
HK$17,166
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,362/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,939
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,394
−HK$461/mo
Today · 4.125%
HK$17,855
baseline
▲ 0.50% · 4.625%
HK$18,796
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,710/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,577
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,186
−HK$619/mo
Today · 4.125%
HK$20,805
baseline
▲ 0.50% · 4.625%
HK$22,071
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,610/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,470 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,779
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,363
−HK$593/mo
Today · 4.125%
HK$22,956
baseline
▲ 0.50% · 4.625%
HK$24,166
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,912/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,470 · 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).