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$10,886
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$344/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,138/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,111
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,435
−HK$330/mo
Today · 4.125%
HK$12,765
baseline
▲ 0.50% · 4.625%
HK$13,438
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,530/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,063
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,470
−HK$412/mo
Today · 4.125%
HK$13,882
baseline
▲ 0.50% · 4.625%
HK$14,727
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,764/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,533
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,923
−HK$395/mo
Today · 4.125%
HK$15,318
baseline
▲ 0.50% · 4.625%
HK$16,125
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,636/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,241
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,715
−HK$481/mo
Today · 4.125%
HK$16,196
baseline
▲ 0.50% · 4.625%
HK$17,182
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,392/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,955
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,410
−HK$461/mo
Today · 4.125%
HK$17,871
baseline
▲ 0.50% · 4.625%
HK$18,813
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,742/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,595
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,204
−HK$620/mo
Today · 4.125%
HK$20,824
baseline
▲ 0.50% · 4.625%
HK$22,091
+HK$1,267/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,648/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,907 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,799
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,384
−HK$593/mo
Today · 4.125%
HK$22,977
baseline
▲ 0.50% · 4.625%
HK$24,188
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,954/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,907 · 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).