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$10,866
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,204
−HK$344/mo
Today · 4.125%
HK$11,548
baseline
▲ 0.50% · 4.625%
HK$12,250
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,096/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,089
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,413
−HK$329/mo
Today · 4.125%
HK$12,742
baseline
▲ 0.50% · 4.625%
HK$13,413
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,484/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,039
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,445
−HK$412/mo
Today · 4.125%
HK$13,857
baseline
▲ 0.50% · 4.625%
HK$14,700
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,714/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,506
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,895
−HK$395/mo
Today · 4.125%
HK$15,290
baseline
▲ 0.50% · 4.625%
HK$16,096
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,580/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,213
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,686
−HK$481/mo
Today · 4.125%
HK$16,167
baseline
▲ 0.50% · 4.625%
HK$17,150
+HK$983/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,334/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,924
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,378
−HK$460/mo
Today · 4.125%
HK$17,838
baseline
▲ 0.50% · 4.625%
HK$18,779
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,676/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,559
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,168
−HK$618/mo
Today · 4.125%
HK$20,786
baseline
▲ 0.50% · 4.625%
HK$22,050
+HK$1,264/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,572/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,759
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,343
−HK$592/mo
Today · 4.125%
HK$22,935
baseline
▲ 0.50% · 4.625%
HK$24,144
+HK$1,209/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,870/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,034 · 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).