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$10,802
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,138
−HK$341/mo
Today · 4.125%
HK$11,479
baseline
▲ 0.50% · 4.625%
HK$12,178
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,958/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,017
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,339
−HK$327/mo
Today · 4.125%
HK$12,666
baseline
▲ 0.50% · 4.625%
HK$13,334
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,332/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,962
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,366
−HK$409/mo
Today · 4.125%
HK$13,775
baseline
▲ 0.50% · 4.625%
HK$14,613
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,550/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,421
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,807
−HK$393/mo
Today · 4.125%
HK$15,200
baseline
▲ 0.50% · 4.625%
HK$16,001
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,400/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,123
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,593
−HK$478/mo
Today · 4.125%
HK$16,071
baseline
▲ 0.50% · 4.625%
HK$17,049
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,142/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,824
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,275
−HK$458/mo
Today · 4.125%
HK$17,733
baseline
▲ 0.50% · 4.625%
HK$18,668
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,466/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,444
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,048
−HK$615/mo
Today · 4.125%
HK$20,663
baseline
▲ 0.50% · 4.625%
HK$21,920
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,326/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,631
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,211
−HK$588/mo
Today · 4.125%
HK$22,799
baseline
▲ 0.50% · 4.625%
HK$24,001
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,598/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,220 · 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).