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$10,804
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,140
−HK$342/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,180
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,964/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,019
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,342
−HK$327/mo
Today · 4.125%
HK$12,669
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,338/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,965
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,368
−HK$410/mo
Today · 4.125%
HK$13,778
baseline
▲ 0.50% · 4.625%
HK$14,616
+HK$838/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,556/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,423
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,810
−HK$393/mo
Today · 4.125%
HK$15,203
baseline
▲ 0.50% · 4.625%
HK$16,004
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,406/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,126
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,596
−HK$478/mo
Today · 4.125%
HK$16,074
baseline
▲ 0.50% · 4.625%
HK$17,052
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,148/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,827
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,278
−HK$458/mo
Today · 4.125%
HK$17,736
baseline
▲ 0.50% · 4.625%
HK$18,671
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,472/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,447
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,052
−HK$615/mo
Today · 4.125%
HK$20,667
baseline
▲ 0.50% · 4.625%
HK$21,924
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,334/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,635
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,215
−HK$589/mo
Today · 4.125%
HK$22,804
baseline
▲ 0.50% · 4.625%
HK$24,006
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,608/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,310 · 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).