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$12,190
+HK$700/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$91,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,029
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,351
−HK$328/mo
Today · 4.125%
HK$12,679
baseline
▲ 0.50% · 4.625%
HK$13,347
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,358/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,975
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$411/mo
Today · 4.125%
HK$13,789
baseline
▲ 0.50% · 4.625%
HK$14,628
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,578/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,434
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,822
−HK$392/mo
Today · 4.125%
HK$15,214
baseline
▲ 0.50% · 4.625%
HK$16,016
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,428/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,137
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,608
−HK$479/mo
Today · 4.125%
HK$16,087
baseline
▲ 0.50% · 4.625%
HK$17,065
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,174/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,840
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,292
−HK$458/mo
Today · 4.125%
HK$17,750
baseline
▲ 0.50% · 4.625%
HK$18,686
+HK$936/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$91,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,462
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,068
−HK$615/mo
Today · 4.125%
HK$20,683
baseline
▲ 0.50% · 4.625%
HK$21,941
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,366/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,652
−HK$1,169/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$91,676 · 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).