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$10,831
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,168
−HK$342/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,211
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,020/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,050
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,373
−HK$328/mo
Today · 4.125%
HK$12,701
baseline
▲ 0.50% · 4.625%
HK$13,370
+HK$669/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,402/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,998
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,402
−HK$411/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,653
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,626/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,460
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,847
−HK$394/mo
Today · 4.125%
HK$15,241
baseline
▲ 0.50% · 4.625%
HK$16,044
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,482/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,164
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,635
−HK$480/mo
Today · 4.125%
HK$16,115
baseline
▲ 0.50% · 4.625%
HK$17,095
+HK$980/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,230/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,322
−HK$459/mo
Today · 4.125%
HK$17,781
baseline
▲ 0.50% · 4.625%
HK$18,718
+HK$937/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,562/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,496
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,103
−HK$616/mo
Today · 4.125%
HK$20,719
baseline
▲ 0.50% · 4.625%
HK$21,980
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,438/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,689
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,271
−HK$590/mo
Today · 4.125%
HK$22,861
baseline
▲ 0.50% · 4.625%
HK$24,066
+HK$1,205/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,722/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,502 · 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).