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$10,806
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$342/mo
Today · 4.125%
HK$11,484
baseline
▲ 0.50% · 4.625%
HK$12,182
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,968/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,022
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$327/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,342/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,967
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$409/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,619
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$392/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,007
+HK$802/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,128
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$478/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,830
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$458/mo
Today · 4.125%
HK$17,740
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,480/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,451
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$615/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,928
+HK$1,257/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$589/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,010
+HK$1,202/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,396 · 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).