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$10,887
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,226
−HK$344/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,274
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,140/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,112
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,437
−HK$330/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$672/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,534/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,065
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$413/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,729
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,768/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,535
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$396/mo
Today · 4.125%
HK$15,320
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,640/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,242
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$481/mo
Today · 4.125%
HK$16,198
baseline
▲ 0.50% · 4.625%
HK$17,184
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,396/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,957
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,412
−HK$461/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,815
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,597
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,207
−HK$619/mo
Today · 4.125%
HK$20,826
baseline
▲ 0.50% · 4.625%
HK$22,094
+HK$1,268/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,652/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,966 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,802
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,387
−HK$593/mo
Today · 4.125%
HK$22,980
baseline
▲ 0.50% · 4.625%
HK$24,191
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,960/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,966 · 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).