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$10,841
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,178
−HK$343/mo
Today · 4.125%
HK$11,521
baseline
▲ 0.50% · 4.625%
HK$12,222
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,042/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,061
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,384
−HK$328/mo
Today · 4.125%
HK$12,712
baseline
▲ 0.50% · 4.625%
HK$13,382
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,424/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,009
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,414
−HK$411/mo
Today · 4.125%
HK$13,825
baseline
▲ 0.50% · 4.625%
HK$14,667
+HK$842/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,650/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,473
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,861
−HK$394/mo
Today · 4.125%
HK$15,255
baseline
▲ 0.50% · 4.625%
HK$16,059
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,510/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,178
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,650
−HK$479/mo
Today · 4.125%
HK$16,129
baseline
▲ 0.50% · 4.625%
HK$17,111
+HK$982/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,258/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,885
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,338
−HK$459/mo
Today · 4.125%
HK$17,797
baseline
▲ 0.50% · 4.625%
HK$18,735
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,594/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,514
−HK$1,224/mo
▼ 0.25% · 3.875%
HK$20,121
−HK$617/mo
Today · 4.125%
HK$20,738
baseline
▲ 0.50% · 4.625%
HK$22,000
+HK$1,262/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,476/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,709
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,292
−HK$590/mo
Today · 4.125%
HK$22,882
baseline
▲ 0.50% · 4.625%
HK$24,088
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,764/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,939 · 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).