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$10,870
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,208
−HK$344/mo
Today · 4.125%
HK$11,552
baseline
▲ 0.50% · 4.625%
HK$12,255
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,104/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,093
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,417
−HK$329/mo
Today · 4.125%
HK$12,746
baseline
▲ 0.50% · 4.625%
HK$13,418
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,492/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,044
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,450
−HK$412/mo
Today · 4.125%
HK$13,862
baseline
▲ 0.50% · 4.625%
HK$14,706
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,724/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,512
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,901
−HK$395/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,102
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,218
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$481/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,157
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,930
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,384
−HK$461/mo
Today · 4.125%
HK$17,845
baseline
▲ 0.50% · 4.625%
HK$18,786
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,690/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,567
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,175
−HK$619/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$22,059
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,216 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,351
−HK$593/mo
Today · 4.125%
HK$22,944
baseline
▲ 0.50% · 4.625%
HK$24,153
+HK$1,209/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,888/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,216 · 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).