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$10,810
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,147
−HK$341/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,187
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,976/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,027
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,349
−HK$327/mo
Today · 4.125%
HK$12,676
baseline
▲ 0.50% · 4.625%
HK$13,345
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,352/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,973
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,376
−HK$410/mo
Today · 4.125%
HK$13,786
baseline
▲ 0.50% · 4.625%
HK$14,625
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,572/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,432
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,819
−HK$393/mo
Today · 4.125%
HK$15,212
baseline
▲ 0.50% · 4.625%
HK$16,013
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,424/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,135
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,605
−HK$479/mo
Today · 4.125%
HK$16,084
baseline
▲ 0.50% · 4.625%
HK$17,062
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,168/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,837
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,289
−HK$458/mo
Today · 4.125%
HK$17,747
baseline
▲ 0.50% · 4.625%
HK$18,682
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,494/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,459
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,064
−HK$615/mo
Today · 4.125%
HK$20,679
baseline
▲ 0.50% · 4.625%
HK$21,937
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,358/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,592 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,648
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,228
−HK$589/mo
Today · 4.125%
HK$22,817
baseline
▲ 0.50% · 4.625%
HK$24,020
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,634/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,592 · 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).