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$10,858
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$343/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,241
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,078/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,080
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$328/mo
Today · 4.125%
HK$12,732
baseline
▲ 0.50% · 4.625%
HK$13,403
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,464/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,030
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,435
−HK$412/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$843/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,694/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,496
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,884
−HK$395/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,084
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,202
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,674
−HK$481/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,912
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,365
−HK$460/mo
Today · 4.125%
HK$17,825
baseline
▲ 0.50% · 4.625%
HK$18,765
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,650/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$617/mo
Today · 4.125%
HK$20,770
baseline
▲ 0.50% · 4.625%
HK$22,034
+HK$1,264/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,540/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,743
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$591/mo
Today · 4.125%
HK$22,918
baseline
▲ 0.50% · 4.625%
HK$24,126
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,836/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,686 · 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).