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$10,877
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,215
−HK$344/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,262
+HK$703/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,118/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,101
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,425
−HK$329/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,427
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,508/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,052
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$413/mo
Today · 4.125%
HK$13,871
baseline
▲ 0.50% · 4.625%
HK$14,715
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,742/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,521
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$395/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,112
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,610/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,228
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$482/mo
Today · 4.125%
HK$16,183
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,366/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,941
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$461/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,579
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,188
−HK$618/mo
Today · 4.125%
HK$20,806
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,612/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,781
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,365
−HK$593/mo
Today · 4.125%
HK$22,958
baseline
▲ 0.50% · 4.625%
HK$24,168
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,916/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,507 · 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).