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$10,839
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,177
−HK$342/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,220
+HK$701/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,038/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,059
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,382
−HK$328/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,380
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,420/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,007
−HK$816/mo
▼ 0.25% · 3.875%
HK$13,412
−HK$411/mo
Today · 4.125%
HK$13,823
baseline
▲ 0.50% · 4.625%
HK$14,664
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,646/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,471
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,859
−HK$393/mo
Today · 4.125%
HK$15,252
baseline
▲ 0.50% · 4.625%
HK$16,056
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,504/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,175
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,647
−HK$480/mo
Today · 4.125%
HK$16,127
baseline
▲ 0.50% · 4.625%
HK$17,108
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,254/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,882
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,335
−HK$459/mo
Today · 4.125%
HK$17,794
baseline
▲ 0.50% · 4.625%
HK$18,732
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,588/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,511
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,118
−HK$616/mo
Today · 4.125%
HK$20,734
baseline
▲ 0.50% · 4.625%
HK$21,996
+HK$1,262/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,468/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,860 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,706
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,288
−HK$590/mo
Today · 4.125%
HK$22,878
baseline
▲ 0.50% · 4.625%
HK$24,084
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,756/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,860 · 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).