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$10,690
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,022
−HK$338/mo
Today · 4.125%
HK$11,360
baseline
▲ 0.50% · 4.625%
HK$12,051
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,720/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,892
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,211
−HK$324/mo
Today · 4.125%
HK$12,535
baseline
▲ 0.50% · 4.625%
HK$13,196
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,070/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,828
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,227
−HK$405/mo
Today · 4.125%
HK$13,632
baseline
▲ 0.50% · 4.625%
HK$14,462
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,264/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,271
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,654
−HK$388/mo
Today · 4.125%
HK$15,042
baseline
▲ 0.50% · 4.625%
HK$15,835
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,084/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,966
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,431
−HK$473/mo
Today · 4.125%
HK$15,904
baseline
▲ 0.50% · 4.625%
HK$16,872
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,808/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,649
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,096
−HK$453/mo
Today · 4.125%
HK$17,549
baseline
▲ 0.50% · 4.625%
HK$18,474
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,098/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,242
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,840
−HK$608/mo
Today · 4.125%
HK$20,448
baseline
▲ 0.50% · 4.625%
HK$21,693
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,896/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,300 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,406
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,980
−HK$583/mo
Today · 4.125%
HK$22,563
baseline
▲ 0.50% · 4.625%
HK$23,752
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,126/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,300 · 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).