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$10,815
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,152
−HK$342/mo
Today · 4.125%
HK$11,494
baseline
▲ 0.50% · 4.625%
HK$12,193
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,988/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,032
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,355
−HK$327/mo
Today · 4.125%
HK$12,682
baseline
▲ 0.50% · 4.625%
HK$13,351
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,364/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,978
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,382
−HK$410/mo
Today · 4.125%
HK$13,792
baseline
▲ 0.50% · 4.625%
HK$14,632
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,584/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,438
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,826
−HK$392/mo
Today · 4.125%
HK$15,218
baseline
▲ 0.50% · 4.625%
HK$16,021
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,436/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,142
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,612
−HK$479/mo
Today · 4.125%
HK$16,091
baseline
▲ 0.50% · 4.625%
HK$17,070
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,182/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,845
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,297
−HK$458/mo
Today · 4.125%
HK$17,755
baseline
▲ 0.50% · 4.625%
HK$18,691
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,510/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,468
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,073
−HK$615/mo
Today · 4.125%
HK$20,688
baseline
▲ 0.50% · 4.625%
HK$21,947
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,376/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,658
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,238
−HK$590/mo
Today · 4.125%
HK$22,828
baseline
▲ 0.50% · 4.625%
HK$24,031
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,656/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,805 · 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).