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$10,835
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,172
−HK$342/mo
Today · 4.125%
HK$11,514
baseline
▲ 0.50% · 4.625%
HK$12,215
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,028/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,054
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,377
−HK$328/mo
Today · 4.125%
HK$12,705
baseline
▲ 0.50% · 4.625%
HK$13,375
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,410/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,002
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,406
−HK$411/mo
Today · 4.125%
HK$13,817
baseline
▲ 0.50% · 4.625%
HK$14,658
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,634/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,465
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,853
−HK$393/mo
Today · 4.125%
HK$15,246
baseline
▲ 0.50% · 4.625%
HK$16,050
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,492/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,169
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,641
−HK$479/mo
Today · 4.125%
HK$16,120
baseline
▲ 0.50% · 4.625%
HK$17,101
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,240/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,875
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,328
−HK$459/mo
Today · 4.125%
HK$17,787
baseline
▲ 0.50% · 4.625%
HK$18,725
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,574/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,503
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,110
−HK$616/mo
Today · 4.125%
HK$20,726
baseline
▲ 0.50% · 4.625%
HK$21,987
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,452/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,697
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,279
−HK$590/mo
Today · 4.125%
HK$22,869
baseline
▲ 0.50% · 4.625%
HK$24,075
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,738/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,667 · 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).