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$10,832
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,169
−HK$342/mo
Today · 4.125%
HK$11,511
baseline
▲ 0.50% · 4.625%
HK$12,212
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,022/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,050
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$327/mo
Today · 4.125%
HK$12,701
baseline
▲ 0.50% · 4.625%
HK$13,371
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,402/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,998
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,403
−HK$410/mo
Today · 4.125%
HK$13,813
baseline
▲ 0.50% · 4.625%
HK$14,654
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,626/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,460
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,848
−HK$394/mo
Today · 4.125%
HK$15,242
baseline
▲ 0.50% · 4.625%
HK$16,045
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,484/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,165
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,636
−HK$480/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$17,096
+HK$980/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,870
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,323
−HK$459/mo
Today · 4.125%
HK$17,782
baseline
▲ 0.50% · 4.625%
HK$18,719
+HK$937/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,564/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,497
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,104
−HK$616/mo
Today · 4.125%
HK$20,720
baseline
▲ 0.50% · 4.625%
HK$21,981
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,440/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,272
−HK$590/mo
Today · 4.125%
HK$22,862
baseline
▲ 0.50% · 4.625%
HK$24,068
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,724/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,528 · 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).