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$10,882
−HK$683/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$94,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,107
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$330/mo
Today · 4.125%
HK$12,761
baseline
▲ 0.50% · 4.625%
HK$13,433
+HK$672/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$94,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,059
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,465
−HK$413/mo
Today · 4.125%
HK$13,878
baseline
▲ 0.50% · 4.625%
HK$14,722
+HK$844/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$94,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,528
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,918
−HK$395/mo
Today · 4.125%
HK$15,313
baseline
▲ 0.50% · 4.625%
HK$16,120
+HK$807/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$94,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,235
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,709
−HK$482/mo
Today · 4.125%
HK$16,191
baseline
▲ 0.50% · 4.625%
HK$17,176
+HK$985/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$94,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,949
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,404
−HK$461/mo
Today · 4.125%
HK$17,865
baseline
▲ 0.50% · 4.625%
HK$18,807
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,730/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,588
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,198
−HK$619/mo
Today · 4.125%
HK$20,817
baseline
▲ 0.50% · 4.625%
HK$22,083
+HK$1,266/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,634/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,745 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,792
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,376
−HK$593/mo
Today · 4.125%
HK$22,969
baseline
▲ 0.50% · 4.625%
HK$24,180
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,938/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,745 · 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).