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$10,829
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,166
−HK$342/mo
Today · 4.125%
HK$11,508
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,016/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,047
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$328/mo
Today · 4.125%
HK$12,698
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,396/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,995
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,399
−HK$411/mo
Today · 4.125%
HK$13,810
baseline
▲ 0.50% · 4.625%
HK$14,650
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,620/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,457
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$394/mo
Today · 4.125%
HK$15,238
baseline
▲ 0.50% · 4.625%
HK$16,041
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,476/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,161
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,632
−HK$479/mo
Today · 4.125%
HK$16,111
baseline
▲ 0.50% · 4.625%
HK$17,092
+HK$981/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,222/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,866
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$459/mo
Today · 4.125%
HK$17,777
baseline
▲ 0.50% · 4.625%
HK$18,714
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,554/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,492
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,099
−HK$616/mo
Today · 4.125%
HK$20,715
baseline
▲ 0.50% · 4.625%
HK$21,975
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,430/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,406 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,685
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,267
−HK$590/mo
Today · 4.125%
HK$22,857
baseline
▲ 0.50% · 4.625%
HK$24,061
+HK$1,204/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,714/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,406 · 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).