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$10,837
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$343/mo
Today · 4.125%
HK$11,517
baseline
▲ 0.50% · 4.625%
HK$12,218
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,034/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,056
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,380
−HK$328/mo
Today · 4.125%
HK$12,708
baseline
▲ 0.50% · 4.625%
HK$13,378
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,416/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,005
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,409
−HK$411/mo
Today · 4.125%
HK$13,820
baseline
▲ 0.50% · 4.625%
HK$14,661
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,640/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,468
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,856
−HK$393/mo
Today · 4.125%
HK$15,249
baseline
▲ 0.50% · 4.625%
HK$16,053
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,498/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,172
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,644
−HK$480/mo
Today · 4.125%
HK$16,124
baseline
▲ 0.50% · 4.625%
HK$17,105
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,248/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,879
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,332
−HK$459/mo
Today · 4.125%
HK$17,791
baseline
▲ 0.50% · 4.625%
HK$18,729
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,582/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,507
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,114
−HK$616/mo
Today · 4.125%
HK$20,730
baseline
▲ 0.50% · 4.625%
HK$21,992
+HK$1,262/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,460/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,701
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,283
−HK$591/mo
Today · 4.125%
HK$22,874
baseline
▲ 0.50% · 4.625%
HK$24,080
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,748/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,766 · 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).