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$10,858
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,195
−HK$344/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,241
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,078/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,079
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,403
−HK$329/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,403
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,464/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,029
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,435
−HK$411/mo
Today · 4.125%
HK$13,846
baseline
▲ 0.50% · 4.625%
HK$14,689
+HK$843/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,692/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,495
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$394/mo
Today · 4.125%
HK$15,278
baseline
▲ 0.50% · 4.625%
HK$16,083
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,556/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,201
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$480/mo
Today · 4.125%
HK$16,154
baseline
▲ 0.50% · 4.625%
HK$17,137
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,308/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,911
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,364
−HK$460/mo
Today · 4.125%
HK$17,824
baseline
▲ 0.50% · 4.625%
HK$18,764
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,648/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,544
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,152
−HK$617/mo
Today · 4.125%
HK$20,769
baseline
▲ 0.50% · 4.625%
HK$22,033
+HK$1,264/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,538/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,662 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,742
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,325
−HK$592/mo
Today · 4.125%
HK$22,917
baseline
▲ 0.50% · 4.625%
HK$24,125
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,834/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,662 · 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).