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$10,817
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$342/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,195
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,992/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,034
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$327/mo
Today · 4.125%
HK$12,684
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,368/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,981
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,384
−HK$411/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,634
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,590/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,441
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,828
−HK$393/mo
Today · 4.125%
HK$15,221
baseline
▲ 0.50% · 4.625%
HK$16,023
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,442/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,144
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,615
−HK$479/mo
Today · 4.125%
HK$16,094
baseline
▲ 0.50% · 4.625%
HK$17,073
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,188/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,299
−HK$459/mo
Today · 4.125%
HK$17,758
baseline
▲ 0.50% · 4.625%
HK$18,694
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,516/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,471
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,077
−HK$615/mo
Today · 4.125%
HK$20,692
baseline
▲ 0.50% · 4.625%
HK$21,951
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,384/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,661
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,242
−HK$590/mo
Today · 4.125%
HK$22,832
baseline
▲ 0.50% · 4.625%
HK$24,035
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,664/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,886 · 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).