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$10,665
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,997
−HK$337/mo
Today · 4.125%
HK$11,334
baseline
▲ 0.50% · 4.625%
HK$12,024
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,668/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,865
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,183
−HK$323/mo
Today · 4.125%
HK$12,506
baseline
▲ 0.50% · 4.625%
HK$13,165
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,012/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,798
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,196
−HK$405/mo
Today · 4.125%
HK$13,601
baseline
▲ 0.50% · 4.625%
HK$14,428
+HK$827/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,202/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,238
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,620
−HK$387/mo
Today · 4.125%
HK$15,007
baseline
▲ 0.50% · 4.625%
HK$15,798
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,014/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,931
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,396
−HK$472/mo
Today · 4.125%
HK$15,868
baseline
▲ 0.50% · 4.625%
HK$16,833
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,736/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,611
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,056
−HK$452/mo
Today · 4.125%
HK$17,508
baseline
▲ 0.50% · 4.625%
HK$18,431
+HK$923/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,016/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,197
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,794
−HK$607/mo
Today · 4.125%
HK$20,401
baseline
▲ 0.50% · 4.625%
HK$21,643
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,802/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,219 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,357
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,930
−HK$581/mo
Today · 4.125%
HK$22,511
baseline
▲ 0.50% · 4.625%
HK$23,697
+HK$1,186/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,022/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,219 · 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).