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$10,871
−HK$682/mo
▼ 0.25% · 3.875%
HK$11,209
−HK$344/mo
Today · 4.125%
HK$11,553
baseline
▲ 0.50% · 4.625%
HK$12,255
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,106/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,094
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,418
−HK$329/mo
Today · 4.125%
HK$12,747
baseline
▲ 0.50% · 4.625%
HK$13,419
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,494/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,045
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,451
−HK$412/mo
Today · 4.125%
HK$13,863
baseline
▲ 0.50% · 4.625%
HK$14,707
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,726/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,512
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$395/mo
Today · 4.125%
HK$15,297
baseline
▲ 0.50% · 4.625%
HK$16,103
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,594/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,219
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,693
−HK$481/mo
Today · 4.125%
HK$16,174
baseline
▲ 0.50% · 4.625%
HK$17,158
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,348/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,931
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,385
−HK$461/mo
Today · 4.125%
HK$17,846
baseline
▲ 0.50% · 4.625%
HK$18,787
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,692/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,568
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$619/mo
Today · 4.125%
HK$20,795
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,590/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,769
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,353
−HK$592/mo
Today · 4.125%
HK$22,945
baseline
▲ 0.50% · 4.625%
HK$24,154
+HK$1,209/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,890/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,238 · 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).