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$11,176
−HK$343/mo
Today · 4.125%
HK$11,519
baseline
▲ 0.50% · 4.625%
HK$12,219
+HK$700/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$92,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,058
−HK$652/mo
▼ 0.25% · 3.875%
HK$12,381
−HK$329/mo
Today · 4.125%
HK$12,710
baseline
▲ 0.50% · 4.625%
HK$13,379
+HK$669/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$92,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,007
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,411
−HK$411/mo
Today · 4.125%
HK$13,822
baseline
▲ 0.50% · 4.625%
HK$14,663
+HK$841/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,644/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,470
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,858
−HK$393/mo
Today · 4.125%
HK$15,251
baseline
▲ 0.50% · 4.625%
HK$16,055
+HK$804/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,502/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,174
−HK$952/mo
▼ 0.25% · 3.875%
HK$15,646
−HK$480/mo
Today · 4.125%
HK$16,126
baseline
▲ 0.50% · 4.625%
HK$17,107
+HK$981/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$32,252/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,881
−HK$912/mo
▼ 0.25% · 3.875%
HK$17,334
−HK$459/mo
Today · 4.125%
HK$17,793
baseline
▲ 0.50% · 4.625%
HK$18,731
+HK$938/mo
Deposit HK$1.43M · loan HK$3.33M · min. income ≈ HK$35,586/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,510
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,117
−HK$616/mo
Today · 4.125%
HK$20,733
baseline
▲ 0.50% · 4.625%
HK$21,995
+HK$1,262/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$41,466/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,834 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,705
−HK$1,172/mo
▼ 0.25% · 3.875%
HK$22,287
−HK$590/mo
Today · 4.125%
HK$22,877
baseline
▲ 0.50% · 4.625%
HK$24,083
+HK$1,206/mo
Deposit HK$475K · loan HK$4.28M · min. income ≈ HK$45,754/mo (50% DSR)
Upfront cash ≈ HK$568K (deposit + AVD stamp duty HK$92,834 · 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).