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$10,819
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$342/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,996/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,037
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,359
−HK$328/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,374/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,983
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,387
−HK$410/mo
Today · 4.125%
HK$13,797
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,594/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,444
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,831
−HK$393/mo
Today · 4.125%
HK$15,224
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,448/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,147
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,618
−HK$479/mo
Today · 4.125%
HK$16,097
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,194/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,851
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,303
−HK$459/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,475
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$615/mo
Today · 4.125%
HK$20,696
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,260/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,392/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$589/mo
Today · 4.125%
HK$22,836
baseline
▲ 0.50% · 4.625%
HK$24,040
+HK$1,204/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,672/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,983 · 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).