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$10,828
−HK$680/mo
▼ 0.25% · 3.875%
HK$11,165
−HK$343/mo
Today · 4.125%
HK$11,508
baseline
▲ 0.50% · 4.625%
HK$12,208
+HK$700/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$23,016/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,047
−HK$650/mo
▼ 0.25% · 3.875%
HK$12,370
−HK$327/mo
Today · 4.125%
HK$12,697
baseline
▲ 0.50% · 4.625%
HK$13,367
+HK$670/mo
Deposit HK$2.37M · loan HK$2.37M · min. income ≈ HK$25,394/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$92,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,994
−HK$815/mo
▼ 0.25% · 3.875%
HK$13,398
−HK$411/mo
Today · 4.125%
HK$13,809
baseline
▲ 0.50% · 4.625%
HK$14,649
+HK$840/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$27,618/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,456
−HK$781/mo
▼ 0.25% · 3.875%
HK$14,844
−HK$393/mo
Today · 4.125%
HK$15,237
baseline
▲ 0.50% · 4.625%
HK$16,040
+HK$803/mo
Deposit HK$1.90M · loan HK$2.85M · min. income ≈ HK$30,474/mo (50% DSR)
Upfront cash ≈ HK$1.99M (deposit + AVD stamp duty HK$92,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,160
−HK$951/mo
▼ 0.25% · 3.875%
HK$15,631
−HK$480/mo
Today · 4.125%
HK$16,111
baseline
▲ 0.50% · 4.625%
HK$17,091
+HK$980/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$32,222/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,865
−HK$911/mo
▼ 0.25% · 3.875%
HK$17,318
−HK$458/mo
Today · 4.125%
HK$17,776
baseline
▲ 0.50% · 4.625%
HK$18,713
+HK$937/mo
Deposit HK$1.42M · loan HK$3.32M · min. income ≈ HK$35,552/mo (50% DSR)
Upfront cash ≈ HK$1.52M (deposit + AVD stamp duty HK$92,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,491
−HK$1,223/mo
▼ 0.25% · 3.875%
HK$20,098
−HK$616/mo
Today · 4.125%
HK$20,714
baseline
▲ 0.50% · 4.625%
HK$21,974
+HK$1,260/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$41,428/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,684
−HK$1,171/mo
▼ 0.25% · 3.875%
HK$22,265
−HK$590/mo
Today · 4.125%
HK$22,855
baseline
▲ 0.50% · 4.625%
HK$24,060
+HK$1,205/mo
Deposit HK$475K · loan HK$4.27M · min. income ≈ HK$45,710/mo (50% DSR)
Upfront cash ≈ HK$567K (deposit + AVD stamp duty HK$92,380 · 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).