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$10,818
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,155
−HK$342/mo
Today · 4.125%
HK$11,497
baseline
▲ 0.50% · 4.625%
HK$12,196
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,994/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,035
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,358
−HK$328/mo
Today · 4.125%
HK$12,686
baseline
▲ 0.50% · 4.625%
HK$13,354
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,372/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,982
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,386
−HK$410/mo
Today · 4.125%
HK$13,796
baseline
▲ 0.50% · 4.625%
HK$14,636
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,592/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,442
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,830
−HK$393/mo
Today · 4.125%
HK$15,223
baseline
▲ 0.50% · 4.625%
HK$16,025
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,446/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,146
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,617
−HK$478/mo
Today · 4.125%
HK$16,095
baseline
▲ 0.50% · 4.625%
HK$17,075
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,190/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,849
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,301
−HK$459/mo
Today · 4.125%
HK$17,760
baseline
▲ 0.50% · 4.625%
HK$18,696
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,520/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,473
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,079
−HK$615/mo
Today · 4.125%
HK$20,694
baseline
▲ 0.50% · 4.625%
HK$21,953
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,388/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,664
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,245
−HK$589/mo
Today · 4.125%
HK$22,834
baseline
▲ 0.50% · 4.625%
HK$24,038
+HK$1,204/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,668/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,935 · 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).