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$10,881
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$343/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,267
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,126/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,105
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,430
−HK$329/mo
Today · 4.125%
HK$12,759
baseline
▲ 0.50% · 4.625%
HK$13,432
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,518/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,057
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,463
−HK$413/mo
Today · 4.125%
HK$13,876
baseline
▲ 0.50% · 4.625%
HK$14,720
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,752/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,526
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,916
−HK$395/mo
Today · 4.125%
HK$15,311
baseline
▲ 0.50% · 4.625%
HK$16,118
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,622/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,234
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,707
−HK$482/mo
Today · 4.125%
HK$16,189
baseline
▲ 0.50% · 4.625%
HK$17,174
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,378/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,947
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,402
−HK$461/mo
Today · 4.125%
HK$17,863
baseline
▲ 0.50% · 4.625%
HK$18,804
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,726/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,586
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,195
−HK$619/mo
Today · 4.125%
HK$20,814
baseline
▲ 0.50% · 4.625%
HK$22,081
+HK$1,267/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,628/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,687 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,789
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,374
−HK$592/mo
Today · 4.125%
HK$22,966
baseline
▲ 0.50% · 4.625%
HK$24,177
+HK$1,211/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,932/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,687 · 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).