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$10,799
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,135
−HK$341/mo
Today · 4.125%
HK$11,476
baseline
▲ 0.50% · 4.625%
HK$12,175
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,952/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,014
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,336
−HK$327/mo
Today · 4.125%
HK$12,663
baseline
▲ 0.50% · 4.625%
HK$13,330
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,326/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,959
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,362
−HK$410/mo
Today · 4.125%
HK$13,772
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$837/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,544/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,417
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$392/mo
Today · 4.125%
HK$15,195
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,390/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,119
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,589
−HK$478/mo
Today · 4.125%
HK$16,067
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$977/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,134/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,819
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$458/mo
Today · 4.125%
HK$17,728
baseline
▲ 0.50% · 4.625%
HK$18,663
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,456/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,438
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,043
−HK$614/mo
Today · 4.125%
HK$20,657
baseline
▲ 0.50% · 4.625%
HK$21,914
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,314/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,625
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,205
−HK$588/mo
Today · 4.125%
HK$22,793
baseline
▲ 0.50% · 4.625%
HK$23,995
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,586/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,090 · 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).