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$10,853
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,191
−HK$343/mo
Today · 4.125%
HK$11,534
baseline
▲ 0.50% · 4.625%
HK$12,235
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,068/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,074
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,398
−HK$328/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,452/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,024
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,429
−HK$411/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$842/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,680/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,489
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$394/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,194
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,667
−HK$480/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$17,130
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,903
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,357
−HK$460/mo
Today · 4.125%
HK$17,817
baseline
▲ 0.50% · 4.625%
HK$18,756
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,634/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,535
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,143
−HK$617/mo
Today · 4.125%
HK$20,760
baseline
▲ 0.50% · 4.625%
HK$22,024
+HK$1,264/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,520/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,733
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,316
−HK$591/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,115
+HK$1,208/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,455 · 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).