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$10,822
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$342/mo
Today · 4.125%
HK$11,501
baseline
▲ 0.50% · 4.625%
HK$12,201
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,002/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,040
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,362
−HK$328/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,380/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$410/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,641
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,602/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,447
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,835
−HK$393/mo
Today · 4.125%
HK$15,228
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,456/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,151
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,622
−HK$479/mo
Today · 4.125%
HK$16,101
baseline
▲ 0.50% · 4.625%
HK$17,081
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,202/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,855
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,307
−HK$459/mo
Today · 4.125%
HK$17,766
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,532/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,480
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,086
−HK$615/mo
Today · 4.125%
HK$20,701
baseline
▲ 0.50% · 4.625%
HK$21,961
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,402/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,104 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,671
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,252
−HK$590/mo
Today · 4.125%
HK$22,842
baseline
▲ 0.50% · 4.625%
HK$24,046
+HK$1,204/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,684/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,104 · 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).