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$10,821
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,157
−HK$342/mo
Today · 4.125%
HK$11,499
baseline
▲ 0.50% · 4.625%
HK$12,199
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,998/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$92,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,038
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,361
−HK$327/mo
Today · 4.125%
HK$12,688
baseline
▲ 0.50% · 4.625%
HK$13,357
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,376/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$92,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,985
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,389
−HK$410/mo
Today · 4.125%
HK$13,799
baseline
▲ 0.50% · 4.625%
HK$14,639
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,598/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,446
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,833
−HK$393/mo
Today · 4.125%
HK$15,226
baseline
▲ 0.50% · 4.625%
HK$16,029
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,452/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,149
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,620
−HK$479/mo
Today · 4.125%
HK$16,099
baseline
▲ 0.50% · 4.625%
HK$17,079
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,198/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,853
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,305
−HK$459/mo
Today · 4.125%
HK$17,764
baseline
▲ 0.50% · 4.625%
HK$18,700
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,528/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,477
−HK$1,222/mo
▼ 0.25% · 3.875%
HK$20,083
−HK$616/mo
Today · 4.125%
HK$20,699
baseline
▲ 0.50% · 4.625%
HK$21,958
+HK$1,259/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,398/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,043 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,668
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,250
−HK$589/mo
Today · 4.125%
HK$22,839
baseline
▲ 0.50% · 4.625%
HK$24,043
+HK$1,204/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,678/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,043 · 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).