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$10,873
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,211
−HK$344/mo
Today · 4.125%
HK$11,555
baseline
▲ 0.50% · 4.625%
HK$12,258
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,110/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,096
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,421
−HK$329/mo
Today · 4.125%
HK$12,750
baseline
▲ 0.50% · 4.625%
HK$13,422
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,500/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,048
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,454
−HK$412/mo
Today · 4.125%
HK$13,866
baseline
▲ 0.50% · 4.625%
HK$14,710
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,732/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,905
−HK$395/mo
Today · 4.125%
HK$15,300
baseline
▲ 0.50% · 4.625%
HK$16,106
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,600/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,222
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,696
−HK$481/mo
Today · 4.125%
HK$16,177
baseline
▲ 0.50% · 4.625%
HK$17,161
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,354/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,935
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,389
−HK$461/mo
Today · 4.125%
HK$17,850
baseline
▲ 0.50% · 4.625%
HK$18,791
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,700/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,572
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,180
−HK$619/mo
Today · 4.125%
HK$20,799
baseline
▲ 0.50% · 4.625%
HK$22,064
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,598/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,337 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,773
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,357
−HK$593/mo
Today · 4.125%
HK$22,950
baseline
▲ 0.50% · 4.625%
HK$24,159
+HK$1,209/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,900/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,337 · 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).