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$10,808
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$341/mo
Today · 4.125%
HK$11,486
baseline
▲ 0.50% · 4.625%
HK$12,185
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,972/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,024
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$327/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,348/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,970
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,373
−HK$410/mo
Today · 4.125%
HK$13,783
baseline
▲ 0.50% · 4.625%
HK$14,622
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,566/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,429
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,816
−HK$393/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,010
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,418/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,602
−HK$479/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$17,059
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,162/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,834
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,285
−HK$458/mo
Today · 4.125%
HK$17,743
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,486/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,455
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,060
−HK$615/mo
Today · 4.125%
HK$20,675
baseline
▲ 0.50% · 4.625%
HK$21,933
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,350/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,224
−HK$589/mo
Today · 4.125%
HK$22,813
baseline
▲ 0.50% · 4.625%
HK$24,015
+HK$1,202/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,626/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,498 · 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).