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$10,875
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,213
−HK$344/mo
Today · 4.125%
HK$11,557
baseline
▲ 0.50% · 4.625%
HK$12,260
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,114/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,099
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,423
−HK$329/mo
Today · 4.125%
HK$12,752
baseline
▲ 0.50% · 4.625%
HK$13,424
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,504/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,050
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,456
−HK$413/mo
Today · 4.125%
HK$13,869
baseline
▲ 0.50% · 4.625%
HK$14,712
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,738/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,518
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,908
−HK$395/mo
Today · 4.125%
HK$15,303
baseline
▲ 0.50% · 4.625%
HK$16,109
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,606/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,225
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,699
−HK$481/mo
Today · 4.125%
HK$16,180
baseline
▲ 0.50% · 4.625%
HK$17,165
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,360/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,938
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,392
−HK$461/mo
Today · 4.125%
HK$17,853
baseline
▲ 0.50% · 4.625%
HK$18,794
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,706/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,575
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,184
−HK$619/mo
Today · 4.125%
HK$20,803
baseline
▲ 0.50% · 4.625%
HK$22,069
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,606/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,428 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,777
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,361
−HK$593/mo
Today · 4.125%
HK$22,954
baseline
▲ 0.50% · 4.625%
HK$24,164
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,908/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,428 · 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).