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$10,793
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$342/mo
Today · 4.125%
HK$11,470
baseline
▲ 0.50% · 4.625%
HK$12,167
+HK$697/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,940/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,007
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,329
−HK$326/mo
Today · 4.125%
HK$12,655
baseline
▲ 0.50% · 4.625%
HK$13,323
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,310/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,951
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,354
−HK$409/mo
Today · 4.125%
HK$13,763
baseline
▲ 0.50% · 4.625%
HK$14,601
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,526/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,408
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,795
−HK$392/mo
Today · 4.125%
HK$15,187
baseline
▲ 0.50% · 4.625%
HK$15,987
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,374/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,110
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,580
−HK$477/mo
Today · 4.125%
HK$16,057
baseline
▲ 0.50% · 4.625%
HK$17,034
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,114/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,809
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,260
−HK$458/mo
Today · 4.125%
HK$17,718
baseline
▲ 0.50% · 4.625%
HK$18,652
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,436/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,427
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,031
−HK$614/mo
Today · 4.125%
HK$20,645
baseline
▲ 0.50% · 4.625%
HK$21,901
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,290/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,612
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,192
−HK$588/mo
Today · 4.125%
HK$22,780
baseline
▲ 0.50% · 4.625%
HK$23,981
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,560/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,812 · 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).