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$10,827
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,164
−HK$342/mo
Today · 4.125%
HK$11,506
baseline
▲ 0.50% · 4.625%
HK$12,206
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,012/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,045
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,368
−HK$328/mo
Today · 4.125%
HK$12,696
baseline
▲ 0.50% · 4.625%
HK$13,365
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,392/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,992
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,396
−HK$411/mo
Today · 4.125%
HK$13,807
baseline
▲ 0.50% · 4.625%
HK$14,647
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,614/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,454
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,841
−HK$394/mo
Today · 4.125%
HK$15,235
baseline
▲ 0.50% · 4.625%
HK$16,038
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,470/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,158
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,629
−HK$479/mo
Today · 4.125%
HK$16,108
baseline
▲ 0.50% · 4.625%
HK$17,088
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,216/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,863
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,315
−HK$459/mo
Today · 4.125%
HK$17,774
baseline
▲ 0.50% · 4.625%
HK$18,711
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,548/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,488
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,095
−HK$616/mo
Today · 4.125%
HK$20,711
baseline
▲ 0.50% · 4.625%
HK$21,971
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,422/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,311 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,681
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,262
−HK$590/mo
Today · 4.125%
HK$22,852
baseline
▲ 0.50% · 4.625%
HK$24,057
+HK$1,205/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,704/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,311 · 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).