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$10,797
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,133
−HK$341/mo
Today · 4.125%
HK$11,474
baseline
▲ 0.50% · 4.625%
HK$12,172
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,948/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,012
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,334
−HK$326/mo
Today · 4.125%
HK$12,660
baseline
▲ 0.50% · 4.625%
HK$13,328
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,320/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,956
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,359
−HK$410/mo
Today · 4.125%
HK$13,769
baseline
▲ 0.50% · 4.625%
HK$14,607
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,538/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,414
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,800
−HK$393/mo
Today · 4.125%
HK$15,193
baseline
▲ 0.50% · 4.625%
HK$15,993
+HK$800/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,386/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,116
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,586
−HK$478/mo
Today · 4.125%
HK$16,064
baseline
▲ 0.50% · 4.625%
HK$17,041
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,128/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,816
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,267
−HK$458/mo
Today · 4.125%
HK$17,725
baseline
▲ 0.50% · 4.625%
HK$18,659
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,450/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,435
−HK$1,218/mo
▼ 0.25% · 3.875%
HK$20,039
−HK$614/mo
Today · 4.125%
HK$20,653
baseline
▲ 0.50% · 4.625%
HK$21,910
+HK$1,257/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,306/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,999 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,621
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,201
−HK$588/mo
Today · 4.125%
HK$22,789
baseline
▲ 0.50% · 4.625%
HK$23,990
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,578/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,999 · 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).