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$10,816
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,153
−HK$342/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,990/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,033
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,356
−HK$327/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,366/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,980
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$411/mo
Today · 4.125%
HK$13,794
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,588/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,440
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$393/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,022
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,440/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,143
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$479/mo
Today · 4.125%
HK$16,093
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,186/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,846
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,298
−HK$459/mo
Today · 4.125%
HK$17,757
baseline
▲ 0.50% · 4.625%
HK$18,693
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,514/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,470
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$616/mo
Today · 4.125%
HK$20,691
baseline
▲ 0.50% · 4.625%
HK$21,950
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,382/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,853 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,660
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,241
−HK$589/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,853 · 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).