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$10,800
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,136
−HK$341/mo
Today · 4.125%
HK$11,477
baseline
▲ 0.50% · 4.625%
HK$12,176
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,954/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,015
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,337
−HK$327/mo
Today · 4.125%
HK$12,664
baseline
▲ 0.50% · 4.625%
HK$13,332
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,328/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,960
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,363
−HK$410/mo
Today · 4.125%
HK$13,773
baseline
▲ 0.50% · 4.625%
HK$14,611
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,546/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,418
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,805
−HK$392/mo
Today · 4.125%
HK$15,197
baseline
▲ 0.50% · 4.625%
HK$15,998
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,394/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,120
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,590
−HK$478/mo
Today · 4.125%
HK$16,068
baseline
▲ 0.50% · 4.625%
HK$17,046
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,136/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,821
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,272
−HK$458/mo
Today · 4.125%
HK$17,730
baseline
▲ 0.50% · 4.625%
HK$18,664
+HK$934/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,460/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,440
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,045
−HK$614/mo
Today · 4.125%
HK$20,659
baseline
▲ 0.50% · 4.625%
HK$21,916
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,318/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,136 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,627
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,207
−HK$588/mo
Today · 4.125%
HK$22,795
baseline
▲ 0.50% · 4.625%
HK$23,997
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,590/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,136 · 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).