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$10,872
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,210
−HK$344/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,108/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,095
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,419
−HK$329/mo
Today · 4.125%
HK$12,748
baseline
▲ 0.50% · 4.625%
HK$13,420
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,496/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,046
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,452
−HK$413/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,708
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,730/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,514
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,903
−HK$395/mo
Today · 4.125%
HK$15,298
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,596/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,221
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,694
−HK$481/mo
Today · 4.125%
HK$16,175
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,350/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,933
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,387
−HK$461/mo
Today · 4.125%
HK$17,848
baseline
▲ 0.50% · 4.625%
HK$18,789
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,696/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,570
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,178
−HK$619/mo
Today · 4.125%
HK$20,797
baseline
▲ 0.50% · 4.625%
HK$22,062
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,594/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,290 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,771
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,355
−HK$592/mo
Today · 4.125%
HK$22,947
baseline
▲ 0.50% · 4.625%
HK$24,157
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,894/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,290 · 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).