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$680/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$343/mo
Today · 4.125%
HK$11,524
baseline
▲ 0.50% · 4.625%
HK$12,225
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,048/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,064
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,387
−HK$328/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,386
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,430/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,013
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$412/mo
Today · 4.125%
HK$13,829
baseline
▲ 0.50% · 4.625%
HK$14,670
+HK$841/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$93,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,476
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,865
−HK$394/mo
Today · 4.125%
HK$15,259
baseline
▲ 0.50% · 4.625%
HK$16,063
+HK$804/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$93,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,181
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,654
−HK$479/mo
Today · 4.125%
HK$16,133
baseline
▲ 0.50% · 4.625%
HK$17,115
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,266/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,889
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,342
−HK$460/mo
Today · 4.125%
HK$17,802
baseline
▲ 0.50% · 4.625%
HK$18,740
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,604/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,519
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,126
−HK$617/mo
Today · 4.125%
HK$20,743
baseline
▲ 0.50% · 4.625%
HK$22,005
+HK$1,262/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,486/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,055 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,715
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,297
−HK$591/mo
Today · 4.125%
HK$22,888
baseline
▲ 0.50% · 4.625%
HK$24,094
+HK$1,206/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,776/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,055 · 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).