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$10,685
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,017
−HK$338/mo
Today · 4.125%
HK$11,355
baseline
▲ 0.50% · 4.625%
HK$12,046
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,710/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,887
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,205
−HK$324/mo
Today · 4.125%
HK$12,529
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,058/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,822
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,221
−HK$405/mo
Today · 4.125%
HK$13,626
baseline
▲ 0.50% · 4.625%
HK$14,455
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,252/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,264
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,647
−HK$388/mo
Today · 4.125%
HK$15,035
baseline
▲ 0.50% · 4.625%
HK$15,827
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,070/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,959
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,424
−HK$473/mo
Today · 4.125%
HK$15,897
baseline
▲ 0.50% · 4.625%
HK$16,864
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,794/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,641
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,088
−HK$452/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,465
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,233
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,831
−HK$608/mo
Today · 4.125%
HK$20,439
baseline
▲ 0.50% · 4.625%
HK$21,682
+HK$1,243/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,878/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,078 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,396
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,970
−HK$582/mo
Today · 4.125%
HK$22,552
baseline
▲ 0.50% · 4.625%
HK$23,741
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,104/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,078 · 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).