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$10,856
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,194
−HK$343/mo
Today · 4.125%
HK$11,537
baseline
▲ 0.50% · 4.625%
HK$12,239
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,074/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,077
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,401
−HK$329/mo
Today · 4.125%
HK$12,730
baseline
▲ 0.50% · 4.625%
HK$13,401
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,460/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,027
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,433
−HK$411/mo
Today · 4.125%
HK$13,844
baseline
▲ 0.50% · 4.625%
HK$14,687
+HK$843/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,688/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,493
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,882
−HK$394/mo
Today · 4.125%
HK$15,276
baseline
▲ 0.50% · 4.625%
HK$16,081
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,552/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,199
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,671
−HK$481/mo
Today · 4.125%
HK$16,152
baseline
▲ 0.50% · 4.625%
HK$17,135
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,304/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,908
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,362
−HK$460/mo
Today · 4.125%
HK$17,822
baseline
▲ 0.50% · 4.625%
HK$18,761
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,644/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,541
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,149
−HK$618/mo
Today · 4.125%
HK$20,767
baseline
▲ 0.50% · 4.625%
HK$22,030
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,534/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,596 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,739
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,322
−HK$592/mo
Today · 4.125%
HK$22,914
baseline
▲ 0.50% · 4.625%
HK$24,122
+HK$1,208/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,828/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,596 · 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).