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$10,805
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,141
−HK$341/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,964/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,020
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$327/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,338/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,965
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$409/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,617
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,424
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,811
−HK$392/mo
Today · 4.125%
HK$15,203
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$802/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,406/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,126
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$478/mo
Today · 4.125%
HK$16,075
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,150/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,279
−HK$458/mo
Today · 4.125%
HK$17,737
baseline
▲ 0.50% · 4.625%
HK$18,672
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,474/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,448
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,053
−HK$615/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,925
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,330 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,216
−HK$589/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,330 · 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).