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$10,708
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$338/mo
Today · 4.125%
HK$11,379
baseline
▲ 0.50% · 4.625%
HK$12,071
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,758/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$87,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,912
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$324/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,112/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$87,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,849
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$406/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$389/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,861
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,991
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$474/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,900
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,677
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,124
−HK$454/mo
Today · 4.125%
HK$17,578
baseline
▲ 0.50% · 4.625%
HK$18,505
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,156/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,274
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,873
−HK$609/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,729
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,964/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,442
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,017
−HK$583/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,200/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,080 · 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).