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$10,812
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,149
−HK$341/mo
Today · 4.125%
HK$11,490
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,980/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,028
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,351
−HK$327/mo
Today · 4.125%
HK$12,678
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,356/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,975
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$410/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,627
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,576/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,821
−HK$393/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,016
+HK$802/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,137
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$478/mo
Today · 4.125%
HK$16,086
baseline
▲ 0.50% · 4.625%
HK$17,065
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,172/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$459/mo
Today · 4.125%
HK$17,750
baseline
▲ 0.50% · 4.625%
HK$18,685
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,500/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,462
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,067
−HK$615/mo
Today · 4.125%
HK$20,682
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,364/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,666 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,651
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,232
−HK$589/mo
Today · 4.125%
HK$22,821
baseline
▲ 0.50% · 4.625%
HK$24,024
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,642/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,666 · 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).