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$10,841
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,178
−HK$342/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,040/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,060
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$329/mo
Today · 4.125%
HK$12,712
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,424/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,009
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$411/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,666
+HK$842/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,472
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$394/mo
Today · 4.125%
HK$15,254
baseline
▲ 0.50% · 4.625%
HK$16,058
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,508/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,177
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,649
−HK$480/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$17,110
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,258/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,884
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,337
−HK$459/mo
Today · 4.125%
HK$17,796
baseline
▲ 0.50% · 4.625%
HK$18,734
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,592/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,513
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,120
−HK$617/mo
Today · 4.125%
HK$20,737
baseline
▲ 0.50% · 4.625%
HK$21,998
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,474/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,708
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,290
−HK$591/mo
Today · 4.125%
HK$22,881
baseline
▲ 0.50% · 4.625%
HK$24,087
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,762/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,911 · 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).