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$679/mo
▼ 0.25% · 3.875%
HK$11,162
−HK$342/mo
Today · 4.125%
HK$11,504
baseline
▲ 0.50% · 4.625%
HK$12,204
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,008/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,043
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,366
−HK$328/mo
Today · 4.125%
HK$12,694
baseline
▲ 0.50% · 4.625%
HK$13,363
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,388/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,990
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,394
−HK$411/mo
Today · 4.125%
HK$13,805
baseline
▲ 0.50% · 4.625%
HK$14,645
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,610/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,452
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,839
−HK$393/mo
Today · 4.125%
HK$15,232
baseline
▲ 0.50% · 4.625%
HK$16,035
+HK$803/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$92,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,155
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,627
−HK$479/mo
Today · 4.125%
HK$16,106
baseline
▲ 0.50% · 4.625%
HK$17,086
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,212/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,860
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,312
−HK$459/mo
Today · 4.125%
HK$17,771
baseline
▲ 0.50% · 4.625%
HK$18,708
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,542/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,485
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,092
−HK$615/mo
Today · 4.125%
HK$20,707
baseline
▲ 0.50% · 4.625%
HK$21,967
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,414/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,238 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,677
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,259
−HK$590/mo
Today · 4.125%
HK$22,849
baseline
▲ 0.50% · 4.625%
HK$24,053
+HK$1,204/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,698/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,238 · 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).