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$10,669
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,001
−HK$337/mo
Today · 4.125%
HK$11,338
baseline
▲ 0.50% · 4.625%
HK$12,028
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,676/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,870
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,188
−HK$323/mo
Today · 4.125%
HK$12,511
baseline
▲ 0.50% · 4.625%
HK$13,170
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,022/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,803
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,201
−HK$405/mo
Today · 4.125%
HK$13,606
baseline
▲ 0.50% · 4.625%
HK$14,434
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,212/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,243
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,625
−HK$388/mo
Today · 4.125%
HK$15,013
baseline
▲ 0.50% · 4.625%
HK$15,804
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,026/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,937
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,402
−HK$472/mo
Today · 4.125%
HK$15,874
baseline
▲ 0.50% · 4.625%
HK$16,840
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,748/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,617
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,063
−HK$452/mo
Today · 4.125%
HK$17,515
baseline
▲ 0.50% · 4.625%
HK$18,438
+HK$923/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,030/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,205
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,802
−HK$607/mo
Today · 4.125%
HK$20,409
baseline
▲ 0.50% · 4.625%
HK$21,651
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,818/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,401 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,365
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,938
−HK$581/mo
Today · 4.125%
HK$22,519
baseline
▲ 0.50% · 4.625%
HK$23,706
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,038/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,401 · 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).