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$10,832
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,169
−HK$343/mo
Today · 4.125%
HK$11,512
baseline
▲ 0.50% · 4.625%
HK$12,212
+HK$700/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,024/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,051
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,374
−HK$328/mo
Today · 4.125%
HK$12,702
baseline
▲ 0.50% · 4.625%
HK$13,371
+HK$669/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,404/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,999
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,403
−HK$411/mo
Today · 4.125%
HK$13,814
baseline
▲ 0.50% · 4.625%
HK$14,654
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,628/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,461
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,849
−HK$393/mo
Today · 4.125%
HK$15,242
baseline
▲ 0.50% · 4.625%
HK$16,046
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,484/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,165
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,637
−HK$479/mo
Today · 4.125%
HK$16,116
baseline
▲ 0.50% · 4.625%
HK$17,097
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,232/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,871
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,324
−HK$459/mo
Today · 4.125%
HK$17,783
baseline
▲ 0.50% · 4.625%
HK$18,720
+HK$937/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,566/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,498
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,105
−HK$616/mo
Today · 4.125%
HK$20,721
baseline
▲ 0.50% · 4.625%
HK$21,982
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,442/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,691
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,273
−HK$590/mo
Today · 4.125%
HK$22,863
baseline
▲ 0.50% · 4.625%
HK$24,069
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,726/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,548 · 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).