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$682/mo
▼ 0.25% · 3.875%
HK$11,220
−HK$344/mo
Today · 4.125%
HK$11,564
baseline
▲ 0.50% · 4.625%
HK$12,268
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,128/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,106
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,431
−HK$329/mo
Today · 4.125%
HK$12,760
baseline
▲ 0.50% · 4.625%
HK$13,433
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,520/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,058
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,464
−HK$413/mo
Today · 4.125%
HK$13,877
baseline
▲ 0.50% · 4.625%
HK$14,721
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,754/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,527
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,917
−HK$395/mo
Today · 4.125%
HK$15,312
baseline
▲ 0.50% · 4.625%
HK$16,119
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,624/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,235
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,708
−HK$482/mo
Today · 4.125%
HK$16,190
baseline
▲ 0.50% · 4.625%
HK$17,175
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,380/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,948
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,403
−HK$461/mo
Today · 4.125%
HK$17,864
baseline
▲ 0.50% · 4.625%
HK$18,806
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,728/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,587
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,197
−HK$619/mo
Today · 4.125%
HK$20,816
baseline
▲ 0.50% · 4.625%
HK$22,082
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,632/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,791
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,375
−HK$593/mo
Today · 4.125%
HK$22,968
baseline
▲ 0.50% · 4.625%
HK$24,179
+HK$1,211/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,936/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,721 · 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).