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$10,787
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,122
−HK$341/mo
Today · 4.125%
HK$11,463
baseline
▲ 0.50% · 4.625%
HK$12,161
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,926/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,000
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,322
−HK$326/mo
Today · 4.125%
HK$12,648
baseline
▲ 0.50% · 4.625%
HK$13,315
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,296/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,944
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,347
−HK$409/mo
Today · 4.125%
HK$13,756
baseline
▲ 0.50% · 4.625%
HK$14,593
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,512/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,400
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,786
−HK$392/mo
Today · 4.125%
HK$15,178
baseline
▲ 0.50% · 4.625%
HK$15,978
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,356/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,101
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,571
−HK$477/mo
Today · 4.125%
HK$16,048
baseline
▲ 0.50% · 4.625%
HK$17,025
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,096/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,800
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,251
−HK$457/mo
Today · 4.125%
HK$17,708
baseline
▲ 0.50% · 4.625%
HK$18,641
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,416/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,416
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$20,020
−HK$613/mo
Today · 4.125%
HK$20,633
baseline
▲ 0.50% · 4.625%
HK$21,889
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,266/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,543 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,600
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,179
−HK$588/mo
Today · 4.125%
HK$22,767
baseline
▲ 0.50% · 4.625%
HK$23,967
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,534/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,543 · 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).