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$10,796
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,131
−HK$342/mo
Today · 4.125%
HK$11,473
baseline
▲ 0.50% · 4.625%
HK$12,171
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,946/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,010
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,332
−HK$327/mo
Today · 4.125%
HK$12,659
baseline
▲ 0.50% · 4.625%
HK$13,326
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,318/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,955
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,358
−HK$409/mo
Today · 4.125%
HK$13,767
baseline
▲ 0.50% · 4.625%
HK$14,605
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,534/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,412
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,798
−HK$393/mo
Today · 4.125%
HK$15,191
baseline
▲ 0.50% · 4.625%
HK$15,991
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,382/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,114
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,584
−HK$478/mo
Today · 4.125%
HK$16,062
baseline
▲ 0.50% · 4.625%
HK$17,039
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,124/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,814
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,265
−HK$457/mo
Today · 4.125%
HK$17,722
baseline
▲ 0.50% · 4.625%
HK$18,656
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,444/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,432
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,036
−HK$615/mo
Today · 4.125%
HK$20,651
baseline
▲ 0.50% · 4.625%
HK$21,907
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,302/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,936 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,618
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,198
−HK$588/mo
Today · 4.125%
HK$22,786
baseline
▲ 0.50% · 4.625%
HK$23,987
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,572/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,936 · 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).