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$10,799
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,134
−HK$342/mo
Today · 4.125%
HK$11,476
baseline
▲ 0.50% · 4.625%
HK$12,174
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,952/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,013
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,336
−HK$326/mo
Today · 4.125%
HK$12,662
baseline
▲ 0.50% · 4.625%
HK$13,330
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,324/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,958
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,361
−HK$410/mo
Today · 4.125%
HK$13,771
baseline
▲ 0.50% · 4.625%
HK$14,609
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,542/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,416
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,803
−HK$392/mo
Today · 4.125%
HK$15,195
baseline
▲ 0.50% · 4.625%
HK$15,996
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,390/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,118
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,588
−HK$478/mo
Today · 4.125%
HK$16,066
baseline
▲ 0.50% · 4.625%
HK$17,044
+HK$978/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,132/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,819
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,270
−HK$457/mo
Today · 4.125%
HK$17,727
baseline
▲ 0.50% · 4.625%
HK$18,662
+HK$935/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,454/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,437
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,042
−HK$614/mo
Today · 4.125%
HK$20,656
baseline
▲ 0.50% · 4.625%
HK$21,913
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,312/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,069 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,624
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,204
−HK$588/mo
Today · 4.125%
HK$22,792
baseline
▲ 0.50% · 4.625%
HK$23,994
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,584/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,069 · 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).