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$10,787
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$341/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,161
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,926/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,000
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,322
−HK$327/mo
Today · 4.125%
HK$12,649
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$666/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,298/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,944
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$409/mo
Today · 4.125%
HK$13,756
baseline
▲ 0.50% · 4.625%
HK$14,593
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,512/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,400
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,787
−HK$391/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$15,979
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,102
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$478/mo
Today · 4.125%
HK$16,049
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,098/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,801
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$457/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,642
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,417
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$614/mo
Today · 4.125%
HK$20,634
baseline
▲ 0.50% · 4.625%
HK$21,890
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,268/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,559 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,601
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,180
−HK$588/mo
Today · 4.125%
HK$22,768
baseline
▲ 0.50% · 4.625%
HK$23,968
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,536/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,559 · 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).