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$10,826
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,163
−HK$342/mo
Today · 4.125%
HK$11,505
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,010/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,044
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$328/mo
Today · 4.125%
HK$12,695
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,390/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,992
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$410/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,612/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,453
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$393/mo
Today · 4.125%
HK$15,234
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,468/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,157
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$480/mo
Today · 4.125%
HK$16,108
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,216/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,314
−HK$459/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,710
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,094
−HK$616/mo
Today · 4.125%
HK$20,710
baseline
▲ 0.50% · 4.625%
HK$21,970
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,420/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,291 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,680
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$590/mo
Today · 4.125%
HK$22,851
baseline
▲ 0.50% · 4.625%
HK$24,056
+HK$1,205/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,702/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,291 · 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).