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$10,816
−HK$679/mo
▼ 0.25% · 3.875%
HK$11,153
−HK$342/mo
Today · 4.125%
HK$11,495
baseline
▲ 0.50% · 4.625%
HK$12,194
+HK$699/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$22,990/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,033
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,356
−HK$327/mo
Today · 4.125%
HK$12,683
baseline
▲ 0.50% · 4.625%
HK$13,352
+HK$669/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,366/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$91,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,980
−HK$813/mo
▼ 0.25% · 3.875%
HK$13,383
−HK$410/mo
Today · 4.125%
HK$13,793
baseline
▲ 0.50% · 4.625%
HK$14,633
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,586/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,440
−HK$780/mo
▼ 0.25% · 3.875%
HK$14,827
−HK$393/mo
Today · 4.125%
HK$15,220
baseline
▲ 0.50% · 4.625%
HK$16,022
+HK$802/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,440/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$91,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,143
−HK$949/mo
▼ 0.25% · 3.875%
HK$15,614
−HK$478/mo
Today · 4.125%
HK$16,092
baseline
▲ 0.50% · 4.625%
HK$17,072
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,184/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,846
−HK$910/mo
▼ 0.25% · 3.875%
HK$17,298
−HK$458/mo
Today · 4.125%
HK$17,756
baseline
▲ 0.50% · 4.625%
HK$18,692
+HK$936/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,512/mo (50% DSR)
Upfront cash ≈ HK$1.51M (deposit + AVD stamp duty HK$91,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,469
−HK$1,221/mo
▼ 0.25% · 3.875%
HK$20,075
−HK$615/mo
Today · 4.125%
HK$20,690
baseline
▲ 0.50% · 4.625%
HK$21,949
+HK$1,259/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$41,380/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,659
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,240
−HK$590/mo
Today · 4.125%
HK$22,830
baseline
▲ 0.50% · 4.625%
HK$24,033
+HK$1,203/mo
Deposit HK$474K · loan HK$4.27M · min. income ≈ HK$45,660/mo (50% DSR)
Upfront cash ≈ HK$566K (deposit + AVD stamp duty HK$91,846 · 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).