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$10,806
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$342/mo
Today · 4.125%
HK$11,484
baseline
▲ 0.50% · 4.625%
HK$12,183
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,968/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,022
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,344
−HK$327/mo
Today · 4.125%
HK$12,671
baseline
▲ 0.50% · 4.625%
HK$13,339
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,342/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,968
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,371
−HK$410/mo
Today · 4.125%
HK$13,781
baseline
▲ 0.50% · 4.625%
HK$14,619
+HK$838/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,562/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,813
−HK$393/mo
Today · 4.125%
HK$15,206
baseline
▲ 0.50% · 4.625%
HK$16,007
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,412/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,129
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$478/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$17,056
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,154/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,831
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,282
−HK$458/mo
Today · 4.125%
HK$17,740
baseline
▲ 0.50% · 4.625%
HK$18,675
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,480/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,451
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,056
−HK$615/mo
Today · 4.125%
HK$20,671
baseline
▲ 0.50% · 4.625%
HK$21,929
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,342/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,639
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,220
−HK$588/mo
Today · 4.125%
HK$22,808
baseline
▲ 0.50% · 4.625%
HK$24,011
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,616/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,407 · 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).