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$10,681
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,014
−HK$337/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$12,042
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,702/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,883
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,202
−HK$323/mo
Today · 4.125%
HK$12,525
baseline
▲ 0.50% · 4.625%
HK$13,185
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,050/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,818
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,216
−HK$405/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,450
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,242/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,642
−HK$388/mo
Today · 4.125%
HK$15,030
baseline
▲ 0.50% · 4.625%
HK$15,822
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,060/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,954
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,419
−HK$473/mo
Today · 4.125%
HK$15,892
baseline
▲ 0.50% · 4.625%
HK$16,859
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,784/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,636
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,082
−HK$453/mo
Today · 4.125%
HK$17,535
baseline
▲ 0.50% · 4.625%
HK$18,459
+HK$924/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,070/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,226
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,824
−HK$608/mo
Today · 4.125%
HK$20,432
baseline
▲ 0.50% · 4.625%
HK$21,675
+HK$1,243/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$40,864/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,926 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,389
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,963
−HK$582/mo
Today · 4.125%
HK$22,545
baseline
▲ 0.50% · 4.625%
HK$23,733
+HK$1,188/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$45,090/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,926 · 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).