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$10,818
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,154
−HK$342/mo
Today · 4.125%
HK$11,496
baseline
▲ 0.50% · 4.625%
HK$12,196
+HK$700/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$91,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,035
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,357
−HK$328/mo
Today · 4.125%
HK$12,685
baseline
▲ 0.50% · 4.625%
HK$13,353
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,370/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,981
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,385
−HK$410/mo
Today · 4.125%
HK$13,795
baseline
▲ 0.50% · 4.625%
HK$14,635
+HK$840/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$91,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,442
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,829
−HK$393/mo
Today · 4.125%
HK$15,222
baseline
▲ 0.50% · 4.625%
HK$16,024
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,444/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,145
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,616
−HK$479/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$17,074
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,848
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,300
−HK$459/mo
Today · 4.125%
HK$17,759
baseline
▲ 0.50% · 4.625%
HK$18,695
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,518/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,472
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,078
−HK$615/mo
Today · 4.125%
HK$20,693
baseline
▲ 0.50% · 4.625%
HK$21,952
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,386/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,909 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,662
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,243
−HK$590/mo
Today · 4.125%
HK$22,833
baseline
▲ 0.50% · 4.625%
HK$24,036
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,666/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,909 · 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).