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$10,837
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,174
−HK$342/mo
Today · 4.125%
HK$11,516
baseline
▲ 0.50% · 4.625%
HK$12,217
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,032/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,056
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,379
−HK$328/mo
Today · 4.125%
HK$12,707
baseline
▲ 0.50% · 4.625%
HK$13,377
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,414/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,004
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,408
−HK$411/mo
Today · 4.125%
HK$13,819
baseline
▲ 0.50% · 4.625%
HK$14,660
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,638/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,467
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,855
−HK$393/mo
Today · 4.125%
HK$15,248
baseline
▲ 0.50% · 4.625%
HK$16,052
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,496/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,171
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,643
−HK$480/mo
Today · 4.125%
HK$16,123
baseline
▲ 0.50% · 4.625%
HK$17,104
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,246/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,878
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,331
−HK$459/mo
Today · 4.125%
HK$17,790
baseline
▲ 0.50% · 4.625%
HK$18,728
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,580/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,506
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,113
−HK$616/mo
Today · 4.125%
HK$20,729
baseline
▲ 0.50% · 4.625%
HK$21,990
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,458/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,700
−HK$1,173/mo
▼ 0.25% · 3.875%
HK$22,282
−HK$591/mo
Today · 4.125%
HK$22,873
baseline
▲ 0.50% · 4.625%
HK$24,078
+HK$1,205/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,746/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,739 · 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).