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$10,823
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,160
−HK$342/mo
Today · 4.125%
HK$11,502
baseline
▲ 0.50% · 4.625%
HK$12,202
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,004/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,041
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,364
−HK$327/mo
Today · 4.125%
HK$12,691
baseline
▲ 0.50% · 4.625%
HK$13,360
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,382/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,988
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,392
−HK$411/mo
Today · 4.125%
HK$13,803
baseline
▲ 0.50% · 4.625%
HK$14,642
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,606/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,449
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,837
−HK$393/mo
Today · 4.125%
HK$15,230
baseline
▲ 0.50% · 4.625%
HK$16,033
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,460/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,153
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,624
−HK$479/mo
Today · 4.125%
HK$16,103
baseline
▲ 0.50% · 4.625%
HK$17,083
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,206/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,857
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,309
−HK$459/mo
Today · 4.125%
HK$17,768
baseline
▲ 0.50% · 4.625%
HK$18,705
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,536/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,482
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,088
−HK$616/mo
Today · 4.125%
HK$20,704
baseline
▲ 0.50% · 4.625%
HK$21,964
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,408/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,674
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,255
−HK$590/mo
Today · 4.125%
HK$22,845
baseline
▲ 0.50% · 4.625%
HK$24,049
+HK$1,204/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,690/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,158 · 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).