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$10,820
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,156
−HK$342/mo
Today · 4.125%
HK$11,498
baseline
▲ 0.50% · 4.625%
HK$12,198
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,996/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,037
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,360
−HK$327/mo
Today · 4.125%
HK$12,687
baseline
▲ 0.50% · 4.625%
HK$13,356
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,374/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,984
−HK$814/mo
▼ 0.25% · 3.875%
HK$13,388
−HK$410/mo
Today · 4.125%
HK$13,798
baseline
▲ 0.50% · 4.625%
HK$14,637
+HK$839/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,596/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,444
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,832
−HK$393/mo
Today · 4.125%
HK$15,225
baseline
▲ 0.50% · 4.625%
HK$16,027
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,450/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,148
−HK$950/mo
▼ 0.25% · 3.875%
HK$15,619
−HK$479/mo
Today · 4.125%
HK$16,098
baseline
▲ 0.50% · 4.625%
HK$17,077
+HK$979/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,196/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,852
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,304
−HK$458/mo
Today · 4.125%
HK$17,762
baseline
▲ 0.50% · 4.625%
HK$18,698
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,524/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$91,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,476
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,081
−HK$616/mo
Today · 4.125%
HK$20,697
baseline
▲ 0.50% · 4.625%
HK$21,956
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,394/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,998 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,666
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,247
−HK$590/mo
Today · 4.125%
HK$22,837
baseline
▲ 0.50% · 4.625%
HK$24,041
+HK$1,204/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,674/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,998 · 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).