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$10,830
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,167
−HK$342/mo
Today · 4.125%
HK$11,509
baseline
▲ 0.50% · 4.625%
HK$12,209
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,018/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,048
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,371
−HK$328/mo
Today · 4.125%
HK$12,699
baseline
▲ 0.50% · 4.625%
HK$13,369
+HK$670/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,398/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,996
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,400
−HK$411/mo
Today · 4.125%
HK$13,811
baseline
▲ 0.50% · 4.625%
HK$14,651
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,622/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,458
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,846
−HK$393/mo
Today · 4.125%
HK$15,239
baseline
▲ 0.50% · 4.625%
HK$16,042
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,478/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,162
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,634
−HK$479/mo
Today · 4.125%
HK$16,113
baseline
▲ 0.50% · 4.625%
HK$17,093
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,226/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,868
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,320
−HK$459/mo
Today · 4.125%
HK$17,779
baseline
▲ 0.50% · 4.625%
HK$18,716
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,558/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,494
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,100
−HK$617/mo
Today · 4.125%
HK$20,717
baseline
▲ 0.50% · 4.625%
HK$21,977
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,434/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,449 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,687
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,269
−HK$590/mo
Today · 4.125%
HK$22,859
baseline
▲ 0.50% · 4.625%
HK$24,064
+HK$1,205/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,718/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,449 · 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).