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$10,867
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,205
−HK$344/mo
Today · 4.125%
HK$11,549
baseline
▲ 0.50% · 4.625%
HK$12,251
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,098/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,090
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,414
−HK$329/mo
Today · 4.125%
HK$12,743
baseline
▲ 0.50% · 4.625%
HK$13,415
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,486/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,041
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,446
−HK$412/mo
Today · 4.125%
HK$13,858
baseline
▲ 0.50% · 4.625%
HK$14,702
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,716/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,508
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,897
−HK$394/mo
Today · 4.125%
HK$15,291
baseline
▲ 0.50% · 4.625%
HK$16,098
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,582/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,214
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,687
−HK$481/mo
Today · 4.125%
HK$16,168
baseline
▲ 0.50% · 4.625%
HK$17,152
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,336/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,926
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,380
−HK$460/mo
Today · 4.125%
HK$17,840
baseline
▲ 0.50% · 4.625%
HK$18,780
+HK$940/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,680/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,561
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,170
−HK$618/mo
Today · 4.125%
HK$20,788
baseline
▲ 0.50% · 4.625%
HK$22,053
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,576/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,762
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,345
−HK$592/mo
Today · 4.125%
HK$22,937
baseline
▲ 0.50% · 4.625%
HK$24,146
+HK$1,209/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,874/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,082 · 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).