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$10,875
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,213
−HK$344/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,260
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,114/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,098
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$329/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,424
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,504/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,050
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$412/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,712
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,518
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,907
−HK$395/mo
Today · 4.125%
HK$15,302
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,604/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,225
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$482/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,164
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,392
−HK$461/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$618/mo
Today · 4.125%
HK$20,802
baseline
▲ 0.50% · 4.625%
HK$22,068
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,604/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,416 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,777
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$592/mo
Today · 4.125%
HK$22,953
baseline
▲ 0.50% · 4.625%
HK$24,163
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,906/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,416 · 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).