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$11,148
−HK$342/mo
Today · 4.125%
HK$11,490
baseline
▲ 0.50% · 4.625%
HK$12,189
+HK$699/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$91,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,028
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,350
−HK$328/mo
Today · 4.125%
HK$12,678
baseline
▲ 0.50% · 4.625%
HK$13,346
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,356/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,974
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,378
−HK$410/mo
Today · 4.125%
HK$13,788
baseline
▲ 0.50% · 4.625%
HK$14,626
+HK$838/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,576/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,433
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,820
−HK$393/mo
Today · 4.125%
HK$15,213
baseline
▲ 0.50% · 4.625%
HK$16,015
+HK$802/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,426/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,136
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,607
−HK$478/mo
Today · 4.125%
HK$16,085
baseline
▲ 0.50% · 4.625%
HK$17,064
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,170/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,839
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,291
−HK$458/mo
Today · 4.125%
HK$17,749
baseline
▲ 0.50% · 4.625%
HK$18,684
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,498/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,461
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,066
−HK$615/mo
Today · 4.125%
HK$20,681
baseline
▲ 0.50% · 4.625%
HK$21,940
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,362/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,642 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,650
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,231
−HK$589/mo
Today · 4.125%
HK$22,820
baseline
▲ 0.50% · 4.625%
HK$24,023
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,640/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,642 · 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).