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$10,865
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,203
−HK$344/mo
Today · 4.125%
HK$11,547
baseline
▲ 0.50% · 4.625%
HK$12,249
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,094/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,088
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,412
−HK$329/mo
Today · 4.125%
HK$12,741
baseline
▲ 0.50% · 4.625%
HK$13,412
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,482/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,444
−HK$412/mo
Today · 4.125%
HK$13,856
baseline
▲ 0.50% · 4.625%
HK$14,699
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,712/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,505
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,894
−HK$395/mo
Today · 4.125%
HK$15,289
baseline
▲ 0.50% · 4.625%
HK$16,095
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,578/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,212
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,685
−HK$481/mo
Today · 4.125%
HK$16,166
baseline
▲ 0.50% · 4.625%
HK$17,149
+HK$983/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,332/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,923
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,377
−HK$460/mo
Today · 4.125%
HK$17,837
baseline
▲ 0.50% · 4.625%
HK$18,777
+HK$940/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,674/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,558
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,166
−HK$618/mo
Today · 4.125%
HK$20,784
baseline
▲ 0.50% · 4.625%
HK$22,049
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,568/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,003 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,758
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,341
−HK$592/mo
Today · 4.125%
HK$22,933
baseline
▲ 0.50% · 4.625%
HK$24,142
+HK$1,209/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,866/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,003 · 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).