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$677/mo
▼ 0.25% · 3.875%
HK$11,126
−HK$341/mo
Today · 4.125%
HK$11,467
baseline
▲ 0.50% · 4.625%
HK$12,165
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,934/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,004
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,326
−HK$327/mo
Today · 4.125%
HK$12,653
baseline
▲ 0.50% · 4.625%
HK$13,320
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,306/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,948
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,351
−HK$409/mo
Today · 4.125%
HK$13,760
baseline
▲ 0.50% · 4.625%
HK$14,598
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,520/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,405
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,791
−HK$392/mo
Today · 4.125%
HK$15,183
baseline
▲ 0.50% · 4.625%
HK$15,983
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,366/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,106
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,576
−HK$478/mo
Today · 4.125%
HK$16,054
baseline
▲ 0.50% · 4.625%
HK$17,030
+HK$976/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,108/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,806
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,256
−HK$458/mo
Today · 4.125%
HK$17,714
baseline
▲ 0.50% · 4.625%
HK$18,647
+HK$933/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,428/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,422
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,027
−HK$613/mo
Today · 4.125%
HK$20,640
baseline
▲ 0.50% · 4.625%
HK$21,896
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,280/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,703 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,607
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,187
−HK$588/mo
Today · 4.125%
HK$22,775
baseline
▲ 0.50% · 4.625%
HK$23,975
+HK$1,200/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,550/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,703 · 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).