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$10,803
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,139
−HK$341/mo
Today · 4.125%
HK$11,480
baseline
▲ 0.50% · 4.625%
HK$12,179
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,960/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,018
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,341
−HK$327/mo
Today · 4.125%
HK$12,668
baseline
▲ 0.50% · 4.625%
HK$13,335
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,336/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,964
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,367
−HK$410/mo
Today · 4.125%
HK$13,777
baseline
▲ 0.50% · 4.625%
HK$14,615
+HK$838/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,554/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,422
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,809
−HK$392/mo
Today · 4.125%
HK$15,201
baseline
▲ 0.50% · 4.625%
HK$16,002
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,402/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,124
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,595
−HK$478/mo
Today · 4.125%
HK$16,073
baseline
▲ 0.50% · 4.625%
HK$17,051
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,146/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,826
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,277
−HK$458/mo
Today · 4.125%
HK$17,735
baseline
▲ 0.50% · 4.625%
HK$18,669
+HK$934/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,470/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,445
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,050
−HK$615/mo
Today · 4.125%
HK$20,665
baseline
▲ 0.50% · 4.625%
HK$21,922
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,330/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,633
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,213
−HK$589/mo
Today · 4.125%
HK$22,802
baseline
▲ 0.50% · 4.625%
HK$24,003
+HK$1,201/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,604/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,263 · 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).