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$681/mo
▼ 0.25% · 3.875%
HK$11,209
−HK$343/mo
Today · 4.125%
HK$11,552
baseline
▲ 0.50% · 4.625%
HK$12,255
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,104/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,234 · 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$94,234 · 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$14,706
+HK$843/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$94,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,512
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,902
−HK$394/mo
Today · 4.125%
HK$15,296
baseline
▲ 0.50% · 4.625%
HK$16,103
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,592/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,219
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,692
−HK$481/mo
Today · 4.125%
HK$16,173
baseline
▲ 0.50% · 4.625%
HK$17,158
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,346/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,234 · 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$18,786
+HK$940/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$94,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,567
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,176
−HK$618/mo
Today · 4.125%
HK$20,794
baseline
▲ 0.50% · 4.625%
HK$22,060
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,588/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,234 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,768
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,352
−HK$593/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$94,234 · 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).