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$10,854
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,192
−HK$343/mo
Today · 4.125%
HK$11,535
baseline
▲ 0.50% · 4.625%
HK$12,237
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,070/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,075
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,399
−HK$329/mo
Today · 4.125%
HK$12,728
baseline
▲ 0.50% · 4.625%
HK$13,398
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,456/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,025
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,430
−HK$412/mo
Today · 4.125%
HK$13,842
baseline
▲ 0.50% · 4.625%
HK$14,684
+HK$842/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,684/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,490
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,879
−HK$394/mo
Today · 4.125%
HK$15,273
baseline
▲ 0.50% · 4.625%
HK$16,078
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,546/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,196
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,669
−HK$480/mo
Today · 4.125%
HK$16,149
baseline
▲ 0.50% · 4.625%
HK$17,131
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,298/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,905
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,359
−HK$460/mo
Today · 4.125%
HK$17,819
baseline
▲ 0.50% · 4.625%
HK$18,758
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,638/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,538
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,145
−HK$618/mo
Today · 4.125%
HK$20,763
baseline
▲ 0.50% · 4.625%
HK$22,026
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,526/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,509 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,735
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,318
−HK$592/mo
Today · 4.125%
HK$22,910
baseline
▲ 0.50% · 4.625%
HK$24,117
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,820/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,509 · 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).