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$10,790
−HK$676/mo
▼ 0.25% · 3.875%
HK$11,125
−HK$341/mo
Today · 4.125%
HK$11,466
baseline
▲ 0.50% · 4.625%
HK$12,164
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,932/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,003
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,325
−HK$327/mo
Today · 4.125%
HK$12,652
baseline
▲ 0.50% · 4.625%
HK$13,319
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,304/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$811/mo
▼ 0.25% · 3.875%
HK$13,350
−HK$409/mo
Today · 4.125%
HK$13,759
baseline
▲ 0.50% · 4.625%
HK$14,597
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,518/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,404
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,790
−HK$392/mo
Today · 4.125%
HK$15,182
baseline
▲ 0.50% · 4.625%
HK$15,982
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,364/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,105
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,575
−HK$478/mo
Today · 4.125%
HK$16,053
baseline
▲ 0.50% · 4.625%
HK$17,029
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,106/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,805
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,255
−HK$458/mo
Today · 4.125%
HK$17,713
baseline
▲ 0.50% · 4.625%
HK$18,646
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,426/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,421
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,025
−HK$614/mo
Today · 4.125%
HK$20,639
baseline
▲ 0.50% · 4.625%
HK$21,895
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,278/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,675 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,606
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,185
−HK$588/mo
Today · 4.125%
HK$22,773
baseline
▲ 0.50% · 4.625%
HK$23,974
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,546/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,675 · 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).