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$677/mo
▼ 0.25% · 3.875%
HK$11,142
−HK$341/mo
Today · 4.125%
HK$11,483
baseline
▲ 0.50% · 4.625%
HK$12,182
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,966/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,021
−HK$650/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$91,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,967
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,370
−HK$410/mo
Today · 4.125%
HK$13,780
baseline
▲ 0.50% · 4.625%
HK$14,619
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,560/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,426
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,812
−HK$393/mo
Today · 4.125%
HK$15,205
baseline
▲ 0.50% · 4.625%
HK$16,006
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,410/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,128
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,599
−HK$478/mo
Today · 4.125%
HK$16,077
baseline
▲ 0.50% · 4.625%
HK$17,055
+HK$978/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$91,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,830
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,281
−HK$458/mo
Today · 4.125%
HK$17,739
baseline
▲ 0.50% · 4.625%
HK$18,674
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,478/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,450
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,055
−HK$615/mo
Today · 4.125%
HK$20,670
baseline
▲ 0.50% · 4.625%
HK$21,928
+HK$1,258/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,340/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,638
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,219
−HK$588/mo
Today · 4.125%
HK$22,807
baseline
▲ 0.50% · 4.625%
HK$24,010
+HK$1,203/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,614/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,383 · 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).