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$10,878
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,217
−HK$343/mo
Today · 4.125%
HK$11,560
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,120/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,102
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,426
−HK$330/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,428
+HK$672/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,512/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,054
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$412/mo
Today · 4.125%
HK$13,872
baseline
▲ 0.50% · 4.625%
HK$14,717
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,744/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,522
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$395/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,614/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,229
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,703
−HK$481/mo
Today · 4.125%
HK$16,184
baseline
▲ 0.50% · 4.625%
HK$17,169
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,368/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,943
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,397
−HK$461/mo
Today · 4.125%
HK$17,858
baseline
▲ 0.50% · 4.625%
HK$18,799
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,716/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,581
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,190
−HK$619/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$22,075
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,783
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,368
−HK$592/mo
Today · 4.125%
HK$22,960
baseline
▲ 0.50% · 4.625%
HK$24,171
+HK$1,211/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,920/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,560 · 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).