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$10,844
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,182
−HK$343/mo
Today · 4.125%
HK$11,525
baseline
▲ 0.50% · 4.625%
HK$12,226
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,050/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,064
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,388
−HK$328/mo
Today · 4.125%
HK$12,716
baseline
▲ 0.50% · 4.625%
HK$13,386
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,432/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,013
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,418
−HK$411/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,671
+HK$842/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,658/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,477
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,866
−HK$393/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,064
+HK$805/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,518/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,182
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,655
−HK$479/mo
Today · 4.125%
HK$16,134
baseline
▲ 0.50% · 4.625%
HK$17,116
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,268/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,890
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,343
−HK$460/mo
Today · 4.125%
HK$17,803
baseline
▲ 0.50% · 4.625%
HK$18,741
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,606/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,520
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,127
−HK$617/mo
Today · 4.125%
HK$20,744
baseline
▲ 0.50% · 4.625%
HK$22,006
+HK$1,262/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,488/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,083 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,716
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,298
−HK$591/mo
Today · 4.125%
HK$22,889
baseline
▲ 0.50% · 4.625%
HK$24,096
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,778/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,083 · 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).