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$681/mo
▼ 0.25% · 3.875%
HK$11,186
−HK$343/mo
Today · 4.125%
HK$11,529
baseline
▲ 0.50% · 4.625%
HK$12,230
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,058/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,069
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,392
−HK$329/mo
Today · 4.125%
HK$12,721
baseline
▲ 0.50% · 4.625%
HK$13,391
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,442/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,018
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,423
−HK$411/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$93,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,482
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,871
−HK$394/mo
Today · 4.125%
HK$15,265
baseline
▲ 0.50% · 4.625%
HK$16,070
+HK$805/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,530/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,188
−HK$952/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$93,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,896
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,349
−HK$460/mo
Today · 4.125%
HK$17,809
baseline
▲ 0.50% · 4.625%
HK$18,748
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,618/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,527
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,134
−HK$618/mo
Today · 4.125%
HK$20,752
baseline
▲ 0.50% · 4.625%
HK$22,014
+HK$1,262/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,504/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,724
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,306
−HK$591/mo
Today · 4.125%
HK$22,897
baseline
▲ 0.50% · 4.625%
HK$24,104
+HK$1,207/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$93,253 · 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).