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$10,823
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,159
−HK$342/mo
Today · 4.125%
HK$11,501
baseline
▲ 0.50% · 4.625%
HK$12,201
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,002/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,040
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,363
−HK$327/mo
Today · 4.125%
HK$12,690
baseline
▲ 0.50% · 4.625%
HK$13,359
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,380/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,987
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,391
−HK$410/mo
Today · 4.125%
HK$13,801
baseline
▲ 0.50% · 4.625%
HK$14,641
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,602/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,448
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,835
−HK$394/mo
Today · 4.125%
HK$15,229
baseline
▲ 0.50% · 4.625%
HK$16,031
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,458/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,152
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,623
−HK$479/mo
Today · 4.125%
HK$16,102
baseline
▲ 0.50% · 4.625%
HK$17,082
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,204/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,856
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,308
−HK$459/mo
Today · 4.125%
HK$17,767
baseline
▲ 0.50% · 4.625%
HK$18,703
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,534/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,481
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,087
−HK$615/mo
Today · 4.125%
HK$20,702
baseline
▲ 0.50% · 4.625%
HK$21,962
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,404/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,122 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,672
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,253
−HK$590/mo
Today · 4.125%
HK$22,843
baseline
▲ 0.50% · 4.625%
HK$24,047
+HK$1,204/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,686/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,122 · 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).