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$10,819
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$342/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,197
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,996/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,036
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$328/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,355
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,374/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$410/mo
Today · 4.125%
HK$13,797
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,594/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,443
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$393/mo
Today · 4.125%
HK$15,224
baseline
▲ 0.50% · 4.625%
HK$16,026
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,448/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,147
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,618
−HK$479/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$17,076
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,194/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$458/mo
Today · 4.125%
HK$17,761
baseline
▲ 0.50% · 4.625%
HK$18,697
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,522/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,475
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,080
−HK$616/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,955
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,665
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,246
−HK$590/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,039
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,972 · 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).