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$10,858
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,196
−HK$343/mo
Today · 4.125%
HK$11,539
baseline
▲ 0.50% · 4.625%
HK$12,242
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,078/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,080
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,404
−HK$329/mo
Today · 4.125%
HK$12,733
baseline
▲ 0.50% · 4.625%
HK$13,404
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,466/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,030
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,436
−HK$411/mo
Today · 4.125%
HK$13,847
baseline
▲ 0.50% · 4.625%
HK$14,690
+HK$843/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,694/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,496
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,885
−HK$394/mo
Today · 4.125%
HK$15,279
baseline
▲ 0.50% · 4.625%
HK$16,085
+HK$806/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,558/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,202
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,675
−HK$480/mo
Today · 4.125%
HK$16,155
baseline
▲ 0.50% · 4.625%
HK$17,138
+HK$983/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,310/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,912
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,366
−HK$460/mo
Today · 4.125%
HK$17,826
baseline
▲ 0.50% · 4.625%
HK$18,765
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,652/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,545
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,153
−HK$618/mo
Today · 4.125%
HK$20,771
baseline
▲ 0.50% · 4.625%
HK$22,035
+HK$1,264/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,542/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,744
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,327
−HK$592/mo
Today · 4.125%
HK$22,919
baseline
▲ 0.50% · 4.625%
HK$24,127
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,838/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,697 · 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).