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$10,879
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,218
−HK$343/mo
Today · 4.125%
HK$11,561
baseline
▲ 0.50% · 4.625%
HK$12,265
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,122/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,103
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,428
−HK$329/mo
Today · 4.125%
HK$12,757
baseline
▲ 0.50% · 4.625%
HK$13,429
+HK$672/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,514/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,055
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,461
−HK$413/mo
Today · 4.125%
HK$13,874
baseline
▲ 0.50% · 4.625%
HK$14,718
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,748/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,524
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,913
−HK$395/mo
Today · 4.125%
HK$15,308
baseline
▲ 0.50% · 4.625%
HK$16,115
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,616/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,231
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,705
−HK$481/mo
Today · 4.125%
HK$16,186
baseline
▲ 0.50% · 4.625%
HK$17,171
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,372/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,944
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,399
−HK$461/mo
Today · 4.125%
HK$17,860
baseline
▲ 0.50% · 4.625%
HK$18,801
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,720/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,583
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,192
−HK$619/mo
Today · 4.125%
HK$20,811
baseline
▲ 0.50% · 4.625%
HK$22,077
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,622/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,785
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,370
−HK$592/mo
Today · 4.125%
HK$22,962
baseline
▲ 0.50% · 4.625%
HK$24,173
+HK$1,211/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,924/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,603 · 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).