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$10,814
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,151
−HK$342/mo
Today · 4.125%
HK$11,493
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,986/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,031
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,354
−HK$327/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,349
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,362/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,977
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,381
−HK$410/mo
Today · 4.125%
HK$13,791
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,582/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$393/mo
Today · 4.125%
HK$15,217
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,434/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,140
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$479/mo
Today · 4.125%
HK$16,090
baseline
▲ 0.50% · 4.625%
HK$17,069
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,180/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$458/mo
Today · 4.125%
HK$17,753
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,506/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,466
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$616/mo
Today · 4.125%
HK$20,687
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,374/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,656
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$590/mo
Today · 4.125%
HK$22,826
baseline
▲ 0.50% · 4.625%
HK$24,029
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,652/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,763 · 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).