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$10,883
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,221
−HK$344/mo
Today · 4.125%
HK$11,565
baseline
▲ 0.50% · 4.625%
HK$12,269
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,130/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,107
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,432
−HK$329/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,434
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,522/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,059
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,466
−HK$412/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,723
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,756/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,529
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$395/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,121
+HK$808/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,626/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,236
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,710
−HK$481/mo
Today · 4.125%
HK$16,191
baseline
▲ 0.50% · 4.625%
HK$17,177
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,382/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,950
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,405
−HK$461/mo
Today · 4.125%
HK$17,866
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,732/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,589
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,199
−HK$619/mo
Today · 4.125%
HK$20,818
baseline
▲ 0.50% · 4.625%
HK$22,084
+HK$1,266/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,636/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,793
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,377
−HK$593/mo
Today · 4.125%
HK$22,970
baseline
▲ 0.50% · 4.625%
HK$24,181
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,940/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,766 · 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).