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$10,851
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,189
−HK$343/mo
Today · 4.125%
HK$11,532
baseline
▲ 0.50% · 4.625%
HK$12,233
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,064/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,072
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,396
−HK$328/mo
Today · 4.125%
HK$12,724
baseline
▲ 0.50% · 4.625%
HK$13,395
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,448/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,022
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,427
−HK$411/mo
Today · 4.125%
HK$13,838
baseline
▲ 0.50% · 4.625%
HK$14,680
+HK$842/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,676/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,486
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,875
−HK$394/mo
Today · 4.125%
HK$15,269
baseline
▲ 0.50% · 4.625%
HK$16,074
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,538/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,192
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,664
−HK$481/mo
Today · 4.125%
HK$16,145
baseline
▲ 0.50% · 4.625%
HK$17,127
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,290/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,901
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,354
−HK$460/mo
Today · 4.125%
HK$17,814
baseline
▲ 0.50% · 4.625%
HK$18,753
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,628/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,532
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,140
−HK$617/mo
Today · 4.125%
HK$20,757
baseline
▲ 0.50% · 4.625%
HK$22,020
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,514/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,730
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,312
−HK$592/mo
Today · 4.125%
HK$22,904
baseline
▲ 0.50% · 4.625%
HK$24,111
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,808/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,382 · 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).