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$10,850
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,188
−HK$343/mo
Today · 4.125%
HK$11,531
baseline
▲ 0.50% · 4.625%
HK$12,232
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,062/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,071
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,395
−HK$328/mo
Today · 4.125%
HK$12,723
baseline
▲ 0.50% · 4.625%
HK$13,394
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,446/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,020
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,425
−HK$412/mo
Today · 4.125%
HK$13,837
baseline
▲ 0.50% · 4.625%
HK$14,679
+HK$842/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,674/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,485
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,874
−HK$394/mo
Today · 4.125%
HK$15,268
baseline
▲ 0.50% · 4.625%
HK$16,073
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,536/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,191
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,663
−HK$480/mo
Today · 4.125%
HK$16,143
baseline
▲ 0.50% · 4.625%
HK$17,125
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,286/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,899
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,353
−HK$459/mo
Today · 4.125%
HK$17,812
baseline
▲ 0.50% · 4.625%
HK$18,751
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,624/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,531
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,138
−HK$617/mo
Today · 4.125%
HK$20,755
baseline
▲ 0.50% · 4.625%
HK$22,018
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,510/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,341 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,728
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,310
−HK$592/mo
Today · 4.125%
HK$22,902
baseline
▲ 0.50% · 4.625%
HK$24,109
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,804/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,341 · 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).