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$10,657
−HK$669/mo
▼ 0.25% · 3.875%
HK$10,989
−HK$337/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$12,015
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,652/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,856
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,174
−HK$323/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,155
+HK$658/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,994/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,789
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,186
−HK$405/mo
Today · 4.125%
HK$13,591
baseline
▲ 0.50% · 4.625%
HK$14,418
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,182/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,227
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,609
−HK$387/mo
Today · 4.125%
HK$14,996
baseline
▲ 0.50% · 4.625%
HK$15,786
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,992/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,920
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,384
−HK$472/mo
Today · 4.125%
HK$15,856
baseline
▲ 0.50% · 4.625%
HK$16,820
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,712/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,598
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,044
−HK$451/mo
Today · 4.125%
HK$17,495
baseline
▲ 0.50% · 4.625%
HK$18,417
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,990/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,183
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,780
−HK$606/mo
Today · 4.125%
HK$20,386
baseline
▲ 0.50% · 4.625%
HK$21,626
+HK$1,240/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,772/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,341
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,913
−HK$581/mo
Today · 4.125%
HK$22,494
baseline
▲ 0.50% · 4.625%
HK$23,680
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,988/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,869 · 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).