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$10,853
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,190
−HK$343/mo
Today · 4.125%
HK$11,533
baseline
▲ 0.50% · 4.625%
HK$12,235
+HK$702/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,066/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,074
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,397
−HK$329/mo
Today · 4.125%
HK$12,726
baseline
▲ 0.50% · 4.625%
HK$13,397
+HK$671/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,452/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$93,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,023
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,428
−HK$412/mo
Today · 4.125%
HK$13,840
baseline
▲ 0.50% · 4.625%
HK$14,682
+HK$842/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$27,680/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,488
−HK$783/mo
▼ 0.25% · 3.875%
HK$14,877
−HK$394/mo
Today · 4.125%
HK$15,271
baseline
▲ 0.50% · 4.625%
HK$16,076
+HK$805/mo
Deposit HK$1.90M · loan HK$2.86M · min. income ≈ HK$30,542/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,194
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,666
−HK$481/mo
Today · 4.125%
HK$16,147
baseline
▲ 0.50% · 4.625%
HK$17,129
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,294/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,903
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,356
−HK$460/mo
Today · 4.125%
HK$17,816
baseline
▲ 0.50% · 4.625%
HK$18,755
+HK$939/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,632/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,535
−HK$1,225/mo
▼ 0.25% · 3.875%
HK$20,143
−HK$617/mo
Today · 4.125%
HK$20,760
baseline
▲ 0.50% · 4.625%
HK$22,023
+HK$1,263/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$41,520/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,732
−HK$1,175/mo
▼ 0.25% · 3.875%
HK$22,315
−HK$592/mo
Today · 4.125%
HK$22,907
baseline
▲ 0.50% · 4.625%
HK$24,114
+HK$1,207/mo
Deposit HK$476K · loan HK$4.28M · min. income ≈ HK$45,814/mo (50% DSR)
Upfront cash ≈ HK$569K (deposit + AVD stamp duty HK$93,445 · 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).