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$10,887
−HK$683/mo
▼ 0.25% · 3.875%
HK$11,226
−HK$344/mo
Today · 4.125%
HK$11,570
baseline
▲ 0.50% · 4.625%
HK$12,274
+HK$704/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$23,140/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,112
−HK$654/mo
▼ 0.25% · 3.875%
HK$12,437
−HK$329/mo
Today · 4.125%
HK$12,766
baseline
▲ 0.50% · 4.625%
HK$13,439
+HK$673/mo
Deposit HK$2.39M · loan HK$2.39M · min. income ≈ HK$25,532/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,064
−HK$820/mo
▼ 0.25% · 3.875%
HK$13,471
−HK$413/mo
Today · 4.125%
HK$13,884
baseline
▲ 0.50% · 4.625%
HK$14,728
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,768/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,534
−HK$785/mo
▼ 0.25% · 3.875%
HK$14,924
−HK$395/mo
Today · 4.125%
HK$15,319
baseline
▲ 0.50% · 4.625%
HK$16,127
+HK$808/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,638/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,242
−HK$956/mo
▼ 0.25% · 3.875%
HK$15,716
−HK$482/mo
Today · 4.125%
HK$16,198
baseline
▲ 0.50% · 4.625%
HK$17,183
+HK$985/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,396/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,956
−HK$917/mo
▼ 0.25% · 3.875%
HK$17,411
−HK$462/mo
Today · 4.125%
HK$17,873
baseline
▲ 0.50% · 4.625%
HK$18,815
+HK$942/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,746/mo (50% DSR)
Upfront cash ≈ HK$1.53M (deposit + AVD stamp duty HK$94,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,597
−HK$1,229/mo
▼ 0.25% · 3.875%
HK$20,206
−HK$620/mo
Today · 4.125%
HK$20,826
baseline
▲ 0.50% · 4.625%
HK$22,093
+HK$1,267/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$41,652/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,949 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,801
−HK$1,178/mo
▼ 0.25% · 3.875%
HK$22,386
−HK$593/mo
Today · 4.125%
HK$22,979
baseline
▲ 0.50% · 4.625%
HK$24,190
+HK$1,211/mo
Deposit HK$477K · loan HK$4.30M · min. income ≈ HK$45,958/mo (50% DSR)
Upfront cash ≈ HK$572K (deposit + AVD stamp duty HK$94,949 · 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).