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$10,825
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,161
−HK$342/mo
Today · 4.125%
HK$11,503
baseline
▲ 0.50% · 4.625%
HK$12,203
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,006/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,042
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,365
−HK$328/mo
Today · 4.125%
HK$12,693
baseline
▲ 0.50% · 4.625%
HK$13,362
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,386/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,990
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,394
−HK$410/mo
Today · 4.125%
HK$13,804
baseline
▲ 0.50% · 4.625%
HK$14,644
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,608/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,451
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,838
−HK$394/mo
Today · 4.125%
HK$15,232
baseline
▲ 0.50% · 4.625%
HK$16,034
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,464/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,155
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,626
−HK$479/mo
Today · 4.125%
HK$16,105
baseline
▲ 0.50% · 4.625%
HK$17,085
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,210/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,859
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,311
−HK$459/mo
Today · 4.125%
HK$17,770
baseline
▲ 0.50% · 4.625%
HK$18,707
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,540/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,484
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,090
−HK$616/mo
Today · 4.125%
HK$20,706
baseline
▲ 0.50% · 4.625%
HK$21,966
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,412/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,676
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,258
−HK$589/mo
Today · 4.125%
HK$22,847
baseline
▲ 0.50% · 4.625%
HK$24,052
+HK$1,205/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,694/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,213 · 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).