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$10,809
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,145
−HK$342/mo
Today · 4.125%
HK$11,487
baseline
▲ 0.50% · 4.625%
HK$12,186
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,974/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,025
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,347
−HK$327/mo
Today · 4.125%
HK$12,674
baseline
▲ 0.50% · 4.625%
HK$13,342
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,348/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,971
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,374
−HK$410/mo
Today · 4.125%
HK$13,784
baseline
▲ 0.50% · 4.625%
HK$14,623
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,568/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,430
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,817
−HK$392/mo
Today · 4.125%
HK$15,209
baseline
▲ 0.50% · 4.625%
HK$16,011
+HK$802/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,418/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,132
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,603
−HK$478/mo
Today · 4.125%
HK$16,081
baseline
▲ 0.50% · 4.625%
HK$17,060
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,162/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,835
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,286
−HK$458/mo
Today · 4.125%
HK$17,744
baseline
▲ 0.50% · 4.625%
HK$18,679
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,488/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,456
−HK$1,220/mo
▼ 0.25% · 3.875%
HK$20,061
−HK$615/mo
Today · 4.125%
HK$20,676
baseline
▲ 0.50% · 4.625%
HK$21,934
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,352/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,518 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,644
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,225
−HK$589/mo
Today · 4.125%
HK$22,814
baseline
▲ 0.50% · 4.625%
HK$24,016
+HK$1,202/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,628/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,518 · 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).