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$10,843
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,181
−HK$342/mo
Today · 4.125%
HK$11,523
baseline
▲ 0.50% · 4.625%
HK$12,224
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,046/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,063
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,386
−HK$329/mo
Today · 4.125%
HK$12,715
baseline
▲ 0.50% · 4.625%
HK$13,385
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,430/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,012
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,417
−HK$411/mo
Today · 4.125%
HK$13,828
baseline
▲ 0.50% · 4.625%
HK$14,669
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,656/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,476
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,864
−HK$394/mo
Today · 4.125%
HK$15,258
baseline
▲ 0.50% · 4.625%
HK$16,062
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,516/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,181
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,653
−HK$479/mo
Today · 4.125%
HK$16,132
baseline
▲ 0.50% · 4.625%
HK$17,114
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,264/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,888
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,341
−HK$460/mo
Today · 4.125%
HK$17,801
baseline
▲ 0.50% · 4.625%
HK$18,739
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,602/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,518
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,125
−HK$617/mo
Today · 4.125%
HK$20,742
baseline
▲ 0.50% · 4.625%
HK$22,004
+HK$1,262/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,484/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,027 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,713
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,296
−HK$590/mo
Today · 4.125%
HK$22,886
baseline
▲ 0.50% · 4.625%
HK$24,093
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,772/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,027 · 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).