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$10,821
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,158
−HK$342/mo
Today · 4.125%
HK$11,500
baseline
▲ 0.50% · 4.625%
HK$12,200
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,000/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$92,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,039
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$327/mo
Today · 4.125%
HK$12,689
baseline
▲ 0.50% · 4.625%
HK$13,358
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,378/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$92,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,986
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,390
−HK$410/mo
Today · 4.125%
HK$13,800
baseline
▲ 0.50% · 4.625%
HK$14,640
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,600/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,447
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,834
−HK$393/mo
Today · 4.125%
HK$15,227
baseline
▲ 0.50% · 4.625%
HK$16,030
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,454/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,150
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,621
−HK$479/mo
Today · 4.125%
HK$16,100
baseline
▲ 0.50% · 4.625%
HK$17,080
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,200/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,854
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,306
−HK$459/mo
Today · 4.125%
HK$17,765
baseline
▲ 0.50% · 4.625%
HK$18,701
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,530/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,479
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,085
−HK$615/mo
Today · 4.125%
HK$20,700
baseline
▲ 0.50% · 4.625%
HK$21,960
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,400/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,670
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,251
−HK$590/mo
Today · 4.125%
HK$22,841
baseline
▲ 0.50% · 4.625%
HK$24,044
+HK$1,203/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,682/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,073 · 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).