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$10,880
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$344/mo
Today · 4.125%
HK$11,562
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,124/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,104
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$329/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,430
+HK$672/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,516/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,056
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,462
−HK$413/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,719
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,750/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,525
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,914
−HK$395/mo
Today · 4.125%
HK$15,309
baseline
▲ 0.50% · 4.625%
HK$16,116
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,618/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,232
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,706
−HK$481/mo
Today · 4.125%
HK$16,187
baseline
▲ 0.50% · 4.625%
HK$17,172
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,374/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,945
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$461/mo
Today · 4.125%
HK$17,861
baseline
▲ 0.50% · 4.625%
HK$18,802
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,722/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,584
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,193
−HK$619/mo
Today · 4.125%
HK$20,812
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,267/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,624/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,787
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,371
−HK$593/mo
Today · 4.125%
HK$22,964
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,211/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,928/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,641 · 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).