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$10,887
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,225
−HK$344/mo
Today · 4.125%
HK$11,569
baseline
▲ 0.50% · 4.625%
HK$12,273
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,138/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,111
−HK$655/mo
▼ 0.25% · 3.875%
HK$12,436
−HK$330/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,532/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,064
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$412/mo
Today · 4.125%
HK$13,883
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,766/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,534
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$395/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,126
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,242
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$481/mo
Today · 4.125%
HK$16,197
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,394/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$461/mo
Today · 4.125%
HK$17,872
baseline
▲ 0.50% · 4.625%
HK$18,814
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,744/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,596
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,206
−HK$619/mo
Today · 4.125%
HK$20,825
baseline
▲ 0.50% · 4.625%
HK$22,092
+HK$1,267/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,650/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,385
−HK$593/mo
Today · 4.125%
HK$22,978
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,212/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,956/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,938 · 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).