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$10,842
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,179
−HK$342/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,222
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,042/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,061
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,385
−HK$328/mo
Today · 4.125%
HK$12,713
baseline
▲ 0.50% · 4.625%
HK$13,383
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,426/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,010
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$412/mo
Today · 4.125%
HK$13,826
baseline
▲ 0.50% · 4.625%
HK$14,667
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,652/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$394/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,178
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$480/mo
Today · 4.125%
HK$16,130
baseline
▲ 0.50% · 4.625%
HK$17,111
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,260/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,885
−HK$913/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$460/mo
Today · 4.125%
HK$17,798
baseline
▲ 0.50% · 4.625%
HK$18,736
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,596/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,515
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,122
−HK$616/mo
Today · 4.125%
HK$20,738
baseline
▲ 0.50% · 4.625%
HK$22,000
+HK$1,262/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,476/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,710
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$591/mo
Today · 4.125%
HK$22,883
baseline
▲ 0.50% · 4.625%
HK$24,089
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,766/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,952 · 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).