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$10,838
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,175
−HK$343/mo
Today · 4.125%
HK$11,518
baseline
▲ 0.50% · 4.625%
HK$12,219
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,036/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,057
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$328/mo
Today · 4.125%
HK$12,709
baseline
▲ 0.50% · 4.625%
HK$13,379
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,418/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,006
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,410
−HK$411/mo
Today · 4.125%
HK$13,821
baseline
▲ 0.50% · 4.625%
HK$14,662
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,642/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,469
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,857
−HK$394/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,054
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,502/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,173
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,645
−HK$480/mo
Today · 4.125%
HK$16,125
baseline
▲ 0.50% · 4.625%
HK$17,106
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,250/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,880
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,333
−HK$459/mo
Today · 4.125%
HK$17,792
baseline
▲ 0.50% · 4.625%
HK$18,730
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,584/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,509
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,116
−HK$616/mo
Today · 4.125%
HK$20,732
baseline
▲ 0.50% · 4.625%
HK$21,994
+HK$1,262/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,464/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,703
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,285
−HK$591/mo
Today · 4.125%
HK$22,876
baseline
▲ 0.50% · 4.625%
HK$24,082
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,752/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,805 · 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).