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$10,880
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,219
−HK$344/mo
Today · 4.125%
HK$11,563
baseline
▲ 0.50% · 4.625%
HK$12,266
+HK$703/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,126/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,104
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,429
−HK$329/mo
Today · 4.125%
HK$12,758
baseline
▲ 0.50% · 4.625%
HK$13,431
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,516/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,056
−HK$819/mo
▼ 0.25% · 3.875%
HK$13,463
−HK$412/mo
Today · 4.125%
HK$13,875
baseline
▲ 0.50% · 4.625%
HK$14,719
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,750/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,525
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,915
−HK$395/mo
Today · 4.125%
HK$15,310
baseline
▲ 0.50% · 4.625%
HK$16,117
+HK$807/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,620/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,233
−HK$955/mo
▼ 0.25% · 3.875%
HK$15,706
−HK$482/mo
Today · 4.125%
HK$16,188
baseline
▲ 0.50% · 4.625%
HK$17,173
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,376/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,946
−HK$916/mo
▼ 0.25% · 3.875%
HK$17,400
−HK$462/mo
Today · 4.125%
HK$17,862
baseline
▲ 0.50% · 4.625%
HK$18,803
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,724/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,585
−HK$1,228/mo
▼ 0.25% · 3.875%
HK$20,194
−HK$619/mo
Today · 4.125%
HK$20,813
baseline
▲ 0.50% · 4.625%
HK$22,079
+HK$1,266/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,626/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,788
−HK$1,177/mo
▼ 0.25% · 3.875%
HK$22,372
−HK$593/mo
Today · 4.125%
HK$22,965
baseline
▲ 0.50% · 4.625%
HK$24,175
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,930/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,655 · 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).