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$10,869
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,207
−HK$343/mo
Today · 4.125%
HK$11,550
baseline
▲ 0.50% · 4.625%
HK$12,253
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,100/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,091
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,416
−HK$329/mo
Today · 4.125%
HK$12,745
baseline
▲ 0.50% · 4.625%
HK$13,417
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,490/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,043
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,448
−HK$412/mo
Today · 4.125%
HK$13,860
baseline
▲ 0.50% · 4.625%
HK$14,704
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,720/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,510
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,899
−HK$395/mo
Today · 4.125%
HK$15,294
baseline
▲ 0.50% · 4.625%
HK$16,100
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,588/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,216
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,690
−HK$481/mo
Today · 4.125%
HK$16,171
baseline
▲ 0.50% · 4.625%
HK$17,154
+HK$983/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,342/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,928
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,382
−HK$461/mo
Today · 4.125%
HK$17,843
baseline
▲ 0.50% · 4.625%
HK$18,783
+HK$940/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,686/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,564
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,172
−HK$619/mo
Today · 4.125%
HK$20,791
baseline
▲ 0.50% · 4.625%
HK$22,056
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,582/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,765
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,348
−HK$592/mo
Today · 4.125%
HK$22,940
baseline
▲ 0.50% · 4.625%
HK$24,150
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,880/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,150 · 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).