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$10,794
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,130
−HK$341/mo
Today · 4.125%
HK$11,471
baseline
▲ 0.50% · 4.625%
HK$12,169
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,942/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,008
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,330
−HK$327/mo
Today · 4.125%
HK$12,657
baseline
▲ 0.50% · 4.625%
HK$13,324
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,314/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,953
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,356
−HK$409/mo
Today · 4.125%
HK$13,765
baseline
▲ 0.50% · 4.625%
HK$14,603
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,530/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,410
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,796
−HK$392/mo
Today · 4.125%
HK$15,188
baseline
▲ 0.50% · 4.625%
HK$15,989
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,376/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,112
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,582
−HK$477/mo
Today · 4.125%
HK$16,059
baseline
▲ 0.50% · 4.625%
HK$17,036
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,118/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,812
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,262
−HK$458/mo
Today · 4.125%
HK$17,720
baseline
▲ 0.50% · 4.625%
HK$18,654
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,440/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,429
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,034
−HK$614/mo
Today · 4.125%
HK$20,648
baseline
▲ 0.50% · 4.625%
HK$21,904
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,296/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,615
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,195
−HK$588/mo
Today · 4.125%
HK$22,783
baseline
▲ 0.50% · 4.625%
HK$23,984
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,566/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,870 · 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).