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$10,834
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,171
−HK$343/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,214
+HK$700/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,028/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,053
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,376
−HK$328/mo
Today · 4.125%
HK$12,704
baseline
▲ 0.50% · 4.625%
HK$13,374
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,408/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,001
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,406
−HK$411/mo
Today · 4.125%
HK$13,817
baseline
▲ 0.50% · 4.625%
HK$14,657
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,634/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,464
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,852
−HK$393/mo
Today · 4.125%
HK$15,245
baseline
▲ 0.50% · 4.625%
HK$16,049
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,490/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,168
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,640
−HK$479/mo
Today · 4.125%
HK$16,119
baseline
▲ 0.50% · 4.625%
HK$17,100
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,238/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,874
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,327
−HK$459/mo
Today · 4.125%
HK$17,786
baseline
▲ 0.50% · 4.625%
HK$18,724
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,572/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,502
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,108
−HK$617/mo
Today · 4.125%
HK$20,725
baseline
▲ 0.50% · 4.625%
HK$21,986
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,450/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,696
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,277
−HK$591/mo
Today · 4.125%
HK$22,868
baseline
▲ 0.50% · 4.625%
HK$24,073
+HK$1,205/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,736/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,637 · 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).