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$10,795
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,130
−HK$342/mo
Today · 4.125%
HK$11,472
baseline
▲ 0.50% · 4.625%
HK$12,170
+HK$698/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,944/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,009
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,331
−HK$327/mo
Today · 4.125%
HK$12,658
baseline
▲ 0.50% · 4.625%
HK$13,325
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,316/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$90,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,954
−HK$812/mo
▼ 0.25% · 3.875%
HK$13,357
−HK$409/mo
Today · 4.125%
HK$13,766
baseline
▲ 0.50% · 4.625%
HK$14,604
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,532/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,411
−HK$778/mo
▼ 0.25% · 3.875%
HK$14,797
−HK$392/mo
Today · 4.125%
HK$15,189
baseline
▲ 0.50% · 4.625%
HK$15,990
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,378/mo (50% DSR)
Upfront cash ≈ HK$1.98M (deposit + AVD stamp duty HK$90,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,113
−HK$947/mo
▼ 0.25% · 3.875%
HK$15,583
−HK$477/mo
Today · 4.125%
HK$16,060
baseline
▲ 0.50% · 4.625%
HK$17,038
+HK$978/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$32,120/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,813
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,264
−HK$457/mo
Today · 4.125%
HK$17,721
baseline
▲ 0.50% · 4.625%
HK$18,655
+HK$934/mo
Deposit HK$1.42M · loan HK$3.31M · min. income ≈ HK$35,442/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$90,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,430
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,035
−HK$614/mo
Today · 4.125%
HK$20,649
baseline
▲ 0.50% · 4.625%
HK$21,905
+HK$1,256/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$41,298/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,616
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,196
−HK$588/mo
Today · 4.125%
HK$22,784
baseline
▲ 0.50% · 4.625%
HK$23,985
+HK$1,201/mo
Deposit HK$473K · loan HK$4.26M · min. income ≈ HK$45,568/mo (50% DSR)
Upfront cash ≈ HK$564K (deposit + AVD stamp duty HK$90,899 · 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).