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$10,879
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,217
−HK$344/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,264
+HK$703/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,122/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,102
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,427
−HK$329/mo
Today · 4.125%
HK$12,756
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,512/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,054
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,460
−HK$413/mo
Today · 4.125%
HK$13,873
baseline
▲ 0.50% · 4.625%
HK$14,717
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,746/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,523
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,912
−HK$395/mo
Today · 4.125%
HK$15,307
baseline
▲ 0.50% · 4.625%
HK$16,114
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,614/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,230
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,704
−HK$481/mo
Today · 4.125%
HK$16,185
baseline
▲ 0.50% · 4.625%
HK$17,170
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,370/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,943
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,398
−HK$461/mo
Today · 4.125%
HK$17,859
baseline
▲ 0.50% · 4.625%
HK$18,800
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,718/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,582
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,191
−HK$618/mo
Today · 4.125%
HK$20,809
baseline
▲ 0.50% · 4.625%
HK$22,076
+HK$1,267/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,618/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,579 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,784
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,368
−HK$593/mo
Today · 4.125%
HK$22,961
baseline
▲ 0.50% · 4.625%
HK$24,171
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,922/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,579 · 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).