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$10,807
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,143
−HK$342/mo
Today · 4.125%
HK$11,485
baseline
▲ 0.50% · 4.625%
HK$12,183
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,970/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,023
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,345
−HK$327/mo
Today · 4.125%
HK$12,672
baseline
▲ 0.50% · 4.625%
HK$13,340
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,344/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,372
−HK$410/mo
Today · 4.125%
HK$13,782
baseline
▲ 0.50% · 4.625%
HK$14,620
+HK$838/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,564/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,427
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,814
−HK$393/mo
Today · 4.125%
HK$15,207
baseline
▲ 0.50% · 4.625%
HK$16,008
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,414/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,130
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,600
−HK$478/mo
Today · 4.125%
HK$16,078
baseline
▲ 0.50% · 4.625%
HK$17,057
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,156/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,832
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,283
−HK$458/mo
Today · 4.125%
HK$17,741
baseline
▲ 0.50% · 4.625%
HK$18,676
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,482/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,452
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,058
−HK$614/mo
Today · 4.125%
HK$20,672
baseline
▲ 0.50% · 4.625%
HK$21,930
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,344/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,641
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,221
−HK$589/mo
Today · 4.125%
HK$22,810
baseline
▲ 0.50% · 4.625%
HK$24,012
+HK$1,202/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,620/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,436 · 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).