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$10,786
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,121
−HK$341/mo
Today · 4.125%
HK$11,462
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,924/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,999
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,321
−HK$326/mo
Today · 4.125%
HK$12,647
baseline
▲ 0.50% · 4.625%
HK$13,314
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,294/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,943
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,346
−HK$409/mo
Today · 4.125%
HK$13,755
baseline
▲ 0.50% · 4.625%
HK$14,592
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,510/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,399
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,785
−HK$392/mo
Today · 4.125%
HK$15,177
baseline
▲ 0.50% · 4.625%
HK$15,977
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,354/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,100
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$477/mo
Today · 4.125%
HK$16,047
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,094/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$907/mo
▼ 0.25% · 3.875%
HK$17,249
−HK$457/mo
Today · 4.125%
HK$17,706
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,412/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$613/mo
Today · 4.125%
HK$20,632
baseline
▲ 0.50% · 4.625%
HK$21,887
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,264/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,513 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,166/mo
▼ 0.25% · 3.875%
HK$22,178
−HK$587/mo
Today · 4.125%
HK$22,765
baseline
▲ 0.50% · 4.625%
HK$23,965
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,530/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,513 · 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).