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$10,792
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,128
−HK$341/mo
Today · 4.125%
HK$11,469
baseline
▲ 0.50% · 4.625%
HK$12,166
+HK$697/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,938/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,006
−HK$648/mo
▼ 0.25% · 3.875%
HK$12,328
−HK$326/mo
Today · 4.125%
HK$12,654
baseline
▲ 0.50% · 4.625%
HK$13,322
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,308/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,950
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,353
−HK$409/mo
Today · 4.125%
HK$13,762
baseline
▲ 0.50% · 4.625%
HK$14,600
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,524/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,407
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,793
−HK$392/mo
Today · 4.125%
HK$15,185
baseline
▲ 0.50% · 4.625%
HK$15,986
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,370/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,109
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,579
−HK$477/mo
Today · 4.125%
HK$16,056
baseline
▲ 0.50% · 4.625%
HK$17,033
+HK$977/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,112/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,808
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,259
−HK$457/mo
Today · 4.125%
HK$17,716
baseline
▲ 0.50% · 4.625%
HK$18,650
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,432/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,425
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,030
−HK$614/mo
Today · 4.125%
HK$20,644
baseline
▲ 0.50% · 4.625%
HK$21,900
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,288/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,775 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,611
−HK$1,167/mo
▼ 0.25% · 3.875%
HK$22,190
−HK$588/mo
Today · 4.125%
HK$22,778
baseline
▲ 0.50% · 4.625%
HK$23,979
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,556/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,775 · 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).