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$10,860
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,198
−HK$344/mo
Today · 4.125%
HK$11,542
baseline
▲ 0.50% · 4.625%
HK$12,244
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,084/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,082
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,406
−HK$329/mo
Today · 4.125%
HK$12,735
baseline
▲ 0.50% · 4.625%
HK$13,406
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,470/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,033
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,438
−HK$412/mo
Today · 4.125%
HK$13,850
baseline
▲ 0.50% · 4.625%
HK$14,693
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,700/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,499
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,887
−HK$395/mo
Today · 4.125%
HK$15,282
baseline
▲ 0.50% · 4.625%
HK$16,087
+HK$805/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,564/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,205
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,678
−HK$480/mo
Today · 4.125%
HK$16,158
baseline
▲ 0.50% · 4.625%
HK$17,141
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,316/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,915
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,369
−HK$460/mo
Today · 4.125%
HK$17,829
baseline
▲ 0.50% · 4.625%
HK$18,769
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,658/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,549
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,157
−HK$618/mo
Today · 4.125%
HK$20,775
baseline
▲ 0.50% · 4.625%
HK$22,039
+HK$1,264/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,550/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,748
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,331
−HK$592/mo
Today · 4.125%
HK$22,923
baseline
▲ 0.50% · 4.625%
HK$24,131
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,846/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,784 · 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).