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$10,805
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,141
−HK$341/mo
Today · 4.125%
HK$11,482
baseline
▲ 0.50% · 4.625%
HK$12,181
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,964/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,020
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,343
−HK$327/mo
Today · 4.125%
HK$12,670
baseline
▲ 0.50% · 4.625%
HK$13,337
+HK$667/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,340/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,966
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,369
−HK$410/mo
Today · 4.125%
HK$13,779
baseline
▲ 0.50% · 4.625%
HK$14,617
+HK$838/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$27,558/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,424
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,811
−HK$393/mo
Today · 4.125%
HK$15,204
baseline
▲ 0.50% · 4.625%
HK$16,005
+HK$801/mo
Deposit HK$1.90M · loan HK$2.84M · min. income ≈ HK$30,408/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,127
−HK$948/mo
▼ 0.25% · 3.875%
HK$15,597
−HK$478/mo
Today · 4.125%
HK$16,075
baseline
▲ 0.50% · 4.625%
HK$17,053
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,150/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,828
−HK$909/mo
▼ 0.25% · 3.875%
HK$17,280
−HK$457/mo
Today · 4.125%
HK$17,737
baseline
▲ 0.50% · 4.625%
HK$18,672
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,474/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,449
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,054
−HK$614/mo
Today · 4.125%
HK$20,668
baseline
▲ 0.50% · 4.625%
HK$21,926
+HK$1,258/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,336/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,636
−HK$1,169/mo
▼ 0.25% · 3.875%
HK$22,217
−HK$588/mo
Today · 4.125%
HK$22,805
baseline
▲ 0.50% · 4.625%
HK$24,007
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,610/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,340 · 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).