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$10,674
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,006
−HK$337/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,034
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,686/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,875
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$323/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,032/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,809
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$405/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,440
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,224/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,250
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,632
−HK$388/mo
Today · 4.125%
HK$15,020
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,040/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,944
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$473/mo
Today · 4.125%
HK$15,881
baseline
▲ 0.50% · 4.625%
HK$16,847
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,762/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,625
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,070
−HK$453/mo
Today · 4.125%
HK$17,523
baseline
▲ 0.50% · 4.625%
HK$18,446
+HK$923/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,046/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,213
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,811
−HK$607/mo
Today · 4.125%
HK$20,418
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,836/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,605 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,948
−HK$581/mo
Today · 4.125%
HK$22,529
baseline
▲ 0.50% · 4.625%
HK$23,717
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,058/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,605 · 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).