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$10,855
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,193
−HK$343/mo
Today · 4.125%
HK$11,536
baseline
▲ 0.50% · 4.625%
HK$12,238
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,072/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,076
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,400
−HK$329/mo
Today · 4.125%
HK$12,729
baseline
▲ 0.50% · 4.625%
HK$13,400
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,458/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,026
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,432
−HK$411/mo
Today · 4.125%
HK$13,843
baseline
▲ 0.50% · 4.625%
HK$14,686
+HK$843/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,686/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,492
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,880
−HK$395/mo
Today · 4.125%
HK$15,275
baseline
▲ 0.50% · 4.625%
HK$16,080
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,550/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,197
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,670
−HK$480/mo
Today · 4.125%
HK$16,150
baseline
▲ 0.50% · 4.625%
HK$17,133
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,300/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,907
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,360
−HK$460/mo
Today · 4.125%
HK$17,820
baseline
▲ 0.50% · 4.625%
HK$18,760
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,640/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,540
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,147
−HK$618/mo
Today · 4.125%
HK$20,765
baseline
▲ 0.50% · 4.625%
HK$22,028
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,530/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,738
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,321
−HK$591/mo
Today · 4.125%
HK$22,912
baseline
▲ 0.50% · 4.625%
HK$24,120
+HK$1,208/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,824/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,557 · 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).