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$677/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$341/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,160
+HK$697/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$90,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,000
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,321
−HK$327/mo
Today · 4.125%
HK$12,648
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,296/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,527 · 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$90,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,399
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$391/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$90,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,101
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,570
−HK$478/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,024
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,799
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,250
−HK$457/mo
Today · 4.125%
HK$17,707
baseline
▲ 0.50% · 4.625%
HK$18,640
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,414/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,019
−HK$614/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,888
+HK$1,255/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,527 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,599
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$587/mo
Today · 4.125%
HK$22,766
baseline
▲ 0.50% · 4.625%
HK$23,966
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,532/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,527 · 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).