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$10,826
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,163
−HK$342/mo
Today · 4.125%
HK$11,505
baseline
▲ 0.50% · 4.625%
HK$12,205
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,010/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,044
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,367
−HK$328/mo
Today · 4.125%
HK$12,695
baseline
▲ 0.50% · 4.625%
HK$13,364
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,390/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,991
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,395
−HK$411/mo
Today · 4.125%
HK$13,806
baseline
▲ 0.50% · 4.625%
HK$14,646
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,612/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,453
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,840
−HK$394/mo
Today · 4.125%
HK$15,234
baseline
▲ 0.50% · 4.625%
HK$16,037
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,468/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,157
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,628
−HK$479/mo
Today · 4.125%
HK$16,107
baseline
▲ 0.50% · 4.625%
HK$17,087
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,214/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,862
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,314
−HK$459/mo
Today · 4.125%
HK$17,773
baseline
▲ 0.50% · 4.625%
HK$18,709
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,546/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,487
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,093
−HK$616/mo
Today · 4.125%
HK$20,709
baseline
▲ 0.50% · 4.625%
HK$21,969
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,418/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,679
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,261
−HK$589/mo
Today · 4.125%
HK$22,850
baseline
▲ 0.50% · 4.625%
HK$24,055
+HK$1,205/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,700/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,277 · 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).