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$10,849
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,187
−HK$343/mo
Today · 4.125%
HK$11,530
baseline
▲ 0.50% · 4.625%
HK$12,231
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,060/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,070
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,394
−HK$328/mo
Today · 4.125%
HK$12,722
baseline
▲ 0.50% · 4.625%
HK$13,393
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,444/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,019
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,424
−HK$412/mo
Today · 4.125%
HK$13,836
baseline
▲ 0.50% · 4.625%
HK$14,678
+HK$842/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,672/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,484
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,872
−HK$394/mo
Today · 4.125%
HK$15,266
baseline
▲ 0.50% · 4.625%
HK$16,071
+HK$805/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,532/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,189
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,662
−HK$480/mo
Today · 4.125%
HK$16,142
baseline
▲ 0.50% · 4.625%
HK$17,124
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,284/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,898
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,351
−HK$460/mo
Today · 4.125%
HK$17,811
baseline
▲ 0.50% · 4.625%
HK$18,750
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,622/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,529
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,136
−HK$618/mo
Today · 4.125%
HK$20,754
baseline
▲ 0.50% · 4.625%
HK$22,016
+HK$1,262/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,508/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,301 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,726
−HK$1,174/mo
▼ 0.25% · 3.875%
HK$22,309
−HK$591/mo
Today · 4.125%
HK$22,900
baseline
▲ 0.50% · 4.625%
HK$24,107
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,800/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,301 · 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).