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$10,888
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,227
−HK$344/mo
Today · 4.125%
HK$11,571
baseline
▲ 0.50% · 4.625%
HK$12,275
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,142/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,113
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,438
−HK$329/mo
Today · 4.125%
HK$12,767
baseline
▲ 0.50% · 4.625%
HK$13,440
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,534/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,066
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,472
−HK$413/mo
Today · 4.125%
HK$13,885
baseline
▲ 0.50% · 4.625%
HK$14,730
+HK$845/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,770/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,535
−HK$786/mo
▼ 0.25% · 3.875%
HK$14,925
−HK$396/mo
Today · 4.125%
HK$15,321
baseline
▲ 0.50% · 4.625%
HK$16,128
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,642/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,243
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,717
−HK$482/mo
Today · 4.125%
HK$16,199
baseline
▲ 0.50% · 4.625%
HK$17,185
+HK$986/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,398/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,958
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,413
−HK$461/mo
Today · 4.125%
HK$17,874
baseline
▲ 0.50% · 4.625%
HK$18,816
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,748/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,598
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,208
−HK$619/mo
Today · 4.125%
HK$20,827
baseline
▲ 0.50% · 4.625%
HK$22,095
+HK$1,268/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,654/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,803
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,388
−HK$593/mo
Today · 4.125%
HK$22,981
baseline
▲ 0.50% · 4.625%
HK$24,192
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,962/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,993 · 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).