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$10,864
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,202
−HK$343/mo
Today · 4.125%
HK$11,545
baseline
▲ 0.50% · 4.625%
HK$12,248
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,090/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,086
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,410
−HK$329/mo
Today · 4.125%
HK$12,739
baseline
▲ 0.50% · 4.625%
HK$13,411
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,478/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,037
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,442
−HK$412/mo
Today · 4.125%
HK$13,854
baseline
▲ 0.50% · 4.625%
HK$14,697
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,708/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,503
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,892
−HK$395/mo
Today · 4.125%
HK$15,287
baseline
▲ 0.50% · 4.625%
HK$16,093
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,574/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,210
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,683
−HK$481/mo
Today · 4.125%
HK$16,164
baseline
▲ 0.50% · 4.625%
HK$17,147
+HK$983/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,328/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,921
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,374
−HK$461/mo
Today · 4.125%
HK$17,835
baseline
▲ 0.50% · 4.625%
HK$18,775
+HK$940/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,670/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,555
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,164
−HK$618/mo
Today · 4.125%
HK$20,782
baseline
▲ 0.50% · 4.625%
HK$22,046
+HK$1,264/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,564/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,755
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,339
−HK$592/mo
Today · 4.125%
HK$22,931
baseline
▲ 0.50% · 4.625%
HK$24,139
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,862/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,943 · 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).