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$10,884
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,222
−HK$344/mo
Today · 4.125%
HK$11,566
baseline
▲ 0.50% · 4.625%
HK$12,270
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,132/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,108
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,433
−HK$329/mo
Today · 4.125%
HK$12,762
baseline
▲ 0.50% · 4.625%
HK$13,435
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,524/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,061
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,467
−HK$413/mo
Today · 4.125%
HK$13,880
baseline
▲ 0.50% · 4.625%
HK$14,724
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,760/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,530
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,919
−HK$396/mo
Today · 4.125%
HK$15,315
baseline
▲ 0.50% · 4.625%
HK$16,122
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,630/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,237
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,711
−HK$482/mo
Today · 4.125%
HK$16,193
baseline
▲ 0.50% · 4.625%
HK$17,178
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,386/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,951
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,406
−HK$461/mo
Today · 4.125%
HK$17,867
baseline
▲ 0.50% · 4.625%
HK$18,809
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,734/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,591
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,200
−HK$619/mo
Today · 4.125%
HK$20,819
baseline
▲ 0.50% · 4.625%
HK$22,086
+HK$1,267/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,638/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,795
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,379
−HK$593/mo
Today · 4.125%
HK$22,972
baseline
▲ 0.50% · 4.625%
HK$24,183
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,944/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,808 · 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).