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$10,830
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$343/mo
Today · 4.125%
HK$11,510
baseline
▲ 0.50% · 4.625%
HK$12,210
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,020/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,049
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,372
−HK$328/mo
Today · 4.125%
HK$12,700
baseline
▲ 0.50% · 4.625%
HK$13,369
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,400/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,997
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,401
−HK$411/mo
Today · 4.125%
HK$13,812
baseline
▲ 0.50% · 4.625%
HK$14,652
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,624/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,459
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$394/mo
Today · 4.125%
HK$15,240
baseline
▲ 0.50% · 4.625%
HK$16,043
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,480/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,163
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$479/mo
Today · 4.125%
HK$16,113
baseline
▲ 0.50% · 4.625%
HK$17,094
+HK$981/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,226/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,868
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,321
−HK$459/mo
Today · 4.125%
HK$17,780
baseline
▲ 0.50% · 4.625%
HK$18,717
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,560/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,495
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,101
−HK$616/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,978
+HK$1,261/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,688
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$591/mo
Today · 4.125%
HK$22,860
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,204/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,720/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,467 · 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).