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$10,810
−HK$678/mo
▼ 0.25% · 3.875%
HK$11,146
−HK$342/mo
Today · 4.125%
HK$11,488
baseline
▲ 0.50% · 4.625%
HK$12,187
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,976/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,026
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,348
−HK$327/mo
Today · 4.125%
HK$12,675
baseline
▲ 0.50% · 4.625%
HK$13,343
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,350/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,972
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,375
−HK$410/mo
Today · 4.125%
HK$13,785
baseline
▲ 0.50% · 4.625%
HK$14,624
+HK$839/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,570/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,431
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,818
−HK$392/mo
Today · 4.125%
HK$15,210
baseline
▲ 0.50% · 4.625%
HK$16,012
+HK$802/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,420/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,134
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,604
−HK$479/mo
Today · 4.125%
HK$16,083
baseline
▲ 0.50% · 4.625%
HK$17,061
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,166/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,836
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,287
−HK$458/mo
Today · 4.125%
HK$17,745
baseline
▲ 0.50% · 4.625%
HK$18,681
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,490/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,457
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,063
−HK$615/mo
Today · 4.125%
HK$20,678
baseline
▲ 0.50% · 4.625%
HK$21,936
+HK$1,258/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,356/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,646
−HK$1,170/mo
▼ 0.25% · 3.875%
HK$22,227
−HK$589/mo
Today · 4.125%
HK$22,816
baseline
▲ 0.50% · 4.625%
HK$24,018
+HK$1,202/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,632/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,555 · 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).