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$10,801
−HK$677/mo
▼ 0.25% · 3.875%
HK$11,137
−HK$341/mo
Today · 4.125%
HK$11,478
baseline
▲ 0.50% · 4.625%
HK$12,177
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,956/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,016
−HK$649/mo
▼ 0.25% · 3.875%
HK$12,338
−HK$327/mo
Today · 4.125%
HK$12,665
baseline
▲ 0.50% · 4.625%
HK$13,333
+HK$668/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,330/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,961
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,364
−HK$410/mo
Today · 4.125%
HK$13,774
baseline
▲ 0.50% · 4.625%
HK$14,612
+HK$838/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$27,548/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,419
−HK$779/mo
▼ 0.25% · 3.875%
HK$14,806
−HK$392/mo
Today · 4.125%
HK$15,198
baseline
▲ 0.50% · 4.625%
HK$15,999
+HK$801/mo
Deposit HK$1.89M · loan HK$2.84M · min. income ≈ HK$30,396/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,121
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,592
−HK$478/mo
Today · 4.125%
HK$16,070
baseline
▲ 0.50% · 4.625%
HK$17,048
+HK$978/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,140/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,823
−HK$908/mo
▼ 0.25% · 3.875%
HK$17,274
−HK$457/mo
Today · 4.125%
HK$17,731
baseline
▲ 0.50% · 4.625%
HK$18,666
+HK$935/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,462/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,442
−HK$1,219/mo
▼ 0.25% · 3.875%
HK$20,047
−HK$614/mo
Today · 4.125%
HK$20,661
baseline
▲ 0.50% · 4.625%
HK$21,918
+HK$1,257/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$41,322/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,629
−HK$1,168/mo
▼ 0.25% · 3.875%
HK$22,209
−HK$588/mo
Today · 4.125%
HK$22,797
baseline
▲ 0.50% · 4.625%
HK$23,999
+HK$1,202/mo
Deposit HK$474K · loan HK$4.26M · min. income ≈ HK$45,594/mo (50% DSR)
Upfront cash ≈ HK$565K (deposit + AVD stamp duty HK$91,178 · 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).