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$11,013
−HK$338/mo
Today · 4.125%
HK$11,351
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$690/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$85,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,882
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,201
−HK$323/mo
Today · 4.125%
HK$12,524
baseline
▲ 0.50% · 4.625%
HK$13,184
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,048/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,817
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,216
−HK$405/mo
Today · 4.125%
HK$13,621
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$828/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$85,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,259
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,641
−HK$388/mo
Today · 4.125%
HK$15,029
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,058/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,953
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,418
−HK$473/mo
Today · 4.125%
HK$15,891
baseline
▲ 0.50% · 4.625%
HK$16,858
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,782/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,635
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,081
−HK$453/mo
Today · 4.125%
HK$17,534
baseline
▲ 0.50% · 4.625%
HK$18,458
+HK$924/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,068/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,225
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,823
−HK$608/mo
Today · 4.125%
HK$20,431
baseline
▲ 0.50% · 4.625%
HK$21,674
+HK$1,243/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$40,862/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,388
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,962
−HK$582/mo
Today · 4.125%
HK$22,544
baseline
▲ 0.50% · 4.625%
HK$23,732
+HK$1,188/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$45,088/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,903 · 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).