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$10,877
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,215
−HK$344/mo
Today · 4.125%
HK$11,559
baseline
▲ 0.50% · 4.625%
HK$12,262
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,118/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,100
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,425
−HK$329/mo
Today · 4.125%
HK$12,754
baseline
▲ 0.50% · 4.625%
HK$13,426
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,508/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,052
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,458
−HK$412/mo
Today · 4.125%
HK$13,870
baseline
▲ 0.50% · 4.625%
HK$14,714
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,740/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,520
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,910
−HK$395/mo
Today · 4.125%
HK$15,305
baseline
▲ 0.50% · 4.625%
HK$16,111
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,610/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,227
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,701
−HK$481/mo
Today · 4.125%
HK$16,182
baseline
▲ 0.50% · 4.625%
HK$17,167
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,364/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,940
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,395
−HK$461/mo
Today · 4.125%
HK$17,856
baseline
▲ 0.50% · 4.625%
HK$18,797
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,712/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,578
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,187
−HK$619/mo
Today · 4.125%
HK$20,806
baseline
▲ 0.50% · 4.625%
HK$22,072
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,612/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,780
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,364
−HK$593/mo
Today · 4.125%
HK$22,957
baseline
▲ 0.50% · 4.625%
HK$24,167
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,914/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,494 · 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).