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$10,833
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,170
−HK$343/mo
Today · 4.125%
HK$11,513
baseline
▲ 0.50% · 4.625%
HK$12,213
+HK$700/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$23,026/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,052
−HK$651/mo
▼ 0.25% · 3.875%
HK$12,375
−HK$328/mo
Today · 4.125%
HK$12,703
baseline
▲ 0.50% · 4.625%
HK$13,373
+HK$670/mo
Deposit HK$2.38M · loan HK$2.38M · min. income ≈ HK$25,406/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,000
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,404
−HK$411/mo
Today · 4.125%
HK$13,815
baseline
▲ 0.50% · 4.625%
HK$14,656
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,630/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,462
−HK$782/mo
▼ 0.25% · 3.875%
HK$14,850
−HK$394/mo
Today · 4.125%
HK$15,244
baseline
▲ 0.50% · 4.625%
HK$16,047
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,488/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,167
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,638
−HK$480/mo
Today · 4.125%
HK$16,118
baseline
▲ 0.50% · 4.625%
HK$17,099
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,236/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,873
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,325
−HK$459/mo
Today · 4.125%
HK$17,784
baseline
▲ 0.50% · 4.625%
HK$18,722
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,568/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,500
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,107
−HK$616/mo
Today · 4.125%
HK$20,723
baseline
▲ 0.50% · 4.625%
HK$21,984
+HK$1,261/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,446/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,694
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,275
−HK$591/mo
Today · 4.125%
HK$22,866
baseline
▲ 0.50% · 4.625%
HK$24,071
+HK$1,205/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,732/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,595 · 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).