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$10,863
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,201
−HK$343/mo
Today · 4.125%
HK$11,544
baseline
▲ 0.50% · 4.625%
HK$12,247
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,088/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,085
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,409
−HK$329/mo
Today · 4.125%
HK$12,738
baseline
▲ 0.50% · 4.625%
HK$13,410
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,476/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$93,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,036
−HK$817/mo
▼ 0.25% · 3.875%
HK$13,441
−HK$412/mo
Today · 4.125%
HK$13,853
baseline
▲ 0.50% · 4.625%
HK$14,696
+HK$843/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,706/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,502
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,891
−HK$395/mo
Today · 4.125%
HK$15,286
baseline
▲ 0.50% · 4.625%
HK$16,092
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,572/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$93,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,209
−HK$953/mo
▼ 0.25% · 3.875%
HK$15,682
−HK$480/mo
Today · 4.125%
HK$16,162
baseline
▲ 0.50% · 4.625%
HK$17,146
+HK$984/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,324/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,919
−HK$914/mo
▼ 0.25% · 3.875%
HK$17,373
−HK$460/mo
Today · 4.125%
HK$17,833
baseline
▲ 0.50% · 4.625%
HK$18,773
+HK$940/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,666/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$93,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,554
−HK$1,226/mo
▼ 0.25% · 3.875%
HK$20,162
−HK$618/mo
Today · 4.125%
HK$20,780
baseline
▲ 0.50% · 4.625%
HK$22,044
+HK$1,264/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$41,560/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,904 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,753
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,337
−HK$592/mo
Today · 4.125%
HK$22,929
baseline
▲ 0.50% · 4.625%
HK$24,137
+HK$1,208/mo
Deposit HK$476K · loan HK$4.29M · min. income ≈ HK$45,858/mo (50% DSR)
Upfront cash ≈ HK$570K (deposit + AVD stamp duty HK$93,904 · 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).