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$10,874
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,213
−HK$343/mo
Today · 4.125%
HK$11,556
baseline
▲ 0.50% · 4.625%
HK$12,259
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,112/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,098
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,422
−HK$329/mo
Today · 4.125%
HK$12,751
baseline
▲ 0.50% · 4.625%
HK$13,423
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,502/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,049
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,455
−HK$413/mo
Today · 4.125%
HK$13,868
baseline
▲ 0.50% · 4.625%
HK$14,711
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,736/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,517
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,906
−HK$395/mo
Today · 4.125%
HK$15,301
baseline
▲ 0.50% · 4.625%
HK$16,108
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,602/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,224
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,698
−HK$481/mo
Today · 4.125%
HK$16,179
baseline
▲ 0.50% · 4.625%
HK$17,163
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,358/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,937
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,391
−HK$461/mo
Today · 4.125%
HK$17,852
baseline
▲ 0.50% · 4.625%
HK$18,793
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,704/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,574
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,183
−HK$618/mo
Today · 4.125%
HK$20,801
baseline
▲ 0.50% · 4.625%
HK$22,067
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,602/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,392 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,776
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,360
−HK$592/mo
Today · 4.125%
HK$22,952
baseline
▲ 0.50% · 4.625%
HK$24,162
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,904/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,392 · 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).