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$10,873
−HK$681/mo
▼ 0.25% · 3.875%
HK$11,211
−HK$343/mo
Today · 4.125%
HK$11,554
baseline
▲ 0.50% · 4.625%
HK$12,257
+HK$703/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,108/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,096
−HK$653/mo
▼ 0.25% · 3.875%
HK$12,420
−HK$329/mo
Today · 4.125%
HK$12,749
baseline
▲ 0.50% · 4.625%
HK$13,421
+HK$672/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,498/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$94,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,047
−HK$818/mo
▼ 0.25% · 3.875%
HK$13,453
−HK$412/mo
Today · 4.125%
HK$13,865
baseline
▲ 0.50% · 4.625%
HK$14,709
+HK$844/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$27,730/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,515
−HK$784/mo
▼ 0.25% · 3.875%
HK$14,904
−HK$395/mo
Today · 4.125%
HK$15,299
baseline
▲ 0.50% · 4.625%
HK$16,105
+HK$806/mo
Deposit HK$1.91M · loan HK$2.86M · min. income ≈ HK$30,598/mo (50% DSR)
Upfront cash ≈ HK$2.00M (deposit + AVD stamp duty HK$94,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,222
−HK$954/mo
▼ 0.25% · 3.875%
HK$15,695
−HK$481/mo
Today · 4.125%
HK$16,176
baseline
▲ 0.50% · 4.625%
HK$17,160
+HK$984/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$32,352/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,934
−HK$915/mo
▼ 0.25% · 3.875%
HK$17,388
−HK$461/mo
Today · 4.125%
HK$17,849
baseline
▲ 0.50% · 4.625%
HK$18,790
+HK$941/mo
Deposit HK$1.43M · loan HK$3.34M · min. income ≈ HK$35,698/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$94,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,571
−HK$1,227/mo
▼ 0.25% · 3.875%
HK$20,179
−HK$619/mo
Today · 4.125%
HK$20,798
baseline
▲ 0.50% · 4.625%
HK$22,063
+HK$1,265/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$41,596/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,315 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,772
−HK$1,176/mo
▼ 0.25% · 3.875%
HK$22,356
−HK$592/mo
Today · 4.125%
HK$22,948
baseline
▲ 0.50% · 4.625%
HK$24,158
+HK$1,210/mo
Deposit HK$477K · loan HK$4.29M · min. income ≈ HK$45,896/mo (50% DSR)
Upfront cash ≈ HK$571K (deposit + AVD stamp duty HK$94,315 · 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).