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$10,833
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$342/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,024/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,052
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$328/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,372
+HK$669/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,406/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,000
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$411/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,655
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$393/mo
Today · 4.125%
HK$15,243
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,486/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,166
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,638
−HK$479/mo
Today · 4.125%
HK$16,117
baseline
▲ 0.50% · 4.625%
HK$17,098
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,234/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,872
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$459/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,721
+HK$937/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,568/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,499
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,106
−HK$616/mo
Today · 4.125%
HK$20,722
baseline
▲ 0.50% · 4.625%
HK$21,983
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,444/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,580 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,693
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$590/mo
Today · 4.125%
HK$22,865
baseline
▲ 0.50% · 4.625%
HK$24,070
+HK$1,205/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,730/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,580 · 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).