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$10,885
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,223
−HK$344/mo
Today · 4.125%
HK$11,567
baseline
▲ 0.50% · 4.625%
HK$12,271
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,134/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,109
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,434
−HK$330/mo
Today · 4.125%
HK$12,764
baseline
▲ 0.50% · 4.625%
HK$13,436
+HK$672/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,528/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,062
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,468
−HK$413/mo
Today · 4.125%
HK$13,881
baseline
▲ 0.50% · 4.625%
HK$14,726
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,762/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,531
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,921
−HK$395/mo
Today · 4.125%
HK$15,316
baseline
▲ 0.50% · 4.625%
HK$16,124
+HK$808/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,632/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,239
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,713
−HK$481/mo
Today · 4.125%
HK$16,194
baseline
▲ 0.50% · 4.625%
HK$17,180
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,388/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,953
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,408
−HK$461/mo
Today · 4.125%
HK$17,869
baseline
▲ 0.50% · 4.625%
HK$18,811
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,738/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,593
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,202
−HK$619/mo
Today · 4.125%
HK$20,821
baseline
▲ 0.50% · 4.625%
HK$22,088
+HK$1,267/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,642/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,797
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,381
−HK$593/mo
Today · 4.125%
HK$22,974
baseline
▲ 0.50% · 4.625%
HK$24,185
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,948/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,852 · 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).