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$10,814
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,150
−HK$342/mo
Today · 4.125%
HK$11,492
baseline
▲ 0.50% · 4.625%
HK$12,192
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,984/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,031
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,353
−HK$328/mo
Today · 4.125%
HK$12,681
baseline
▲ 0.50% · 4.625%
HK$13,349
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,362/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,977
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,381
−HK$410/mo
Today · 4.125%
HK$13,791
baseline
▲ 0.50% · 4.625%
HK$14,630
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,582/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,437
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,824
−HK$393/mo
Today · 4.125%
HK$15,217
baseline
▲ 0.50% · 4.625%
HK$16,019
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,434/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,140
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,611
−HK$478/mo
Today · 4.125%
HK$16,089
baseline
▲ 0.50% · 4.625%
HK$17,068
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,178/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,843
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,295
−HK$458/mo
Today · 4.125%
HK$17,753
baseline
▲ 0.50% · 4.625%
HK$18,689
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,506/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,465
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,071
−HK$615/mo
Today · 4.125%
HK$20,686
baseline
▲ 0.50% · 4.625%
HK$21,945
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,372/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,655
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,236
−HK$589/mo
Today · 4.125%
HK$22,825
baseline
▲ 0.50% · 4.625%
HK$24,028
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,650/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,749 · 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).