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$10,840
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$343/mo
Today · 4.125%
HK$11,520
baseline
▲ 0.50% · 4.625%
HK$12,221
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,040/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,059
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,383
−HK$328/mo
Today · 4.125%
HK$12,711
baseline
▲ 0.50% · 4.625%
HK$13,381
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,422/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,008
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,413
−HK$411/mo
Today · 4.125%
HK$13,824
baseline
▲ 0.50% · 4.625%
HK$14,665
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,648/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,471
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,860
−HK$393/mo
Today · 4.125%
HK$15,253
baseline
▲ 0.50% · 4.625%
HK$16,057
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,506/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,176
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,648
−HK$480/mo
Today · 4.125%
HK$16,128
baseline
▲ 0.50% · 4.625%
HK$17,109
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,256/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,883
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,336
−HK$459/mo
Today · 4.125%
HK$17,795
baseline
▲ 0.50% · 4.625%
HK$18,733
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,590/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,512
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,119
−HK$617/mo
Today · 4.125%
HK$20,736
baseline
▲ 0.50% · 4.625%
HK$21,997
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,472/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,890 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,707
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,289
−HK$591/mo
Today · 4.125%
HK$22,880
baseline
▲ 0.50% · 4.625%
HK$24,086
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,760/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,890 · 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).