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$10,728
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,062
−HK$339/mo
Today · 4.125%
HK$11,401
baseline
▲ 0.50% · 4.625%
HK$12,094
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,802/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,935
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,255
−HK$324/mo
Today · 4.125%
HK$12,579
baseline
▲ 0.50% · 4.625%
HK$13,242
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,158/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,873
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,274
−HK$407/mo
Today · 4.125%
HK$13,681
baseline
▲ 0.50% · 4.625%
HK$14,513
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,362/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,322
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,706
−HK$389/mo
Today · 4.125%
HK$15,095
baseline
▲ 0.50% · 4.625%
HK$15,891
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,190/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,019
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,486
−HK$475/mo
Today · 4.125%
HK$15,961
baseline
▲ 0.50% · 4.625%
HK$16,932
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,922/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,708
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,157
−HK$454/mo
Today · 4.125%
HK$17,611
baseline
▲ 0.50% · 4.625%
HK$18,539
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,222/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,310
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,911
−HK$610/mo
Today · 4.125%
HK$20,521
baseline
▲ 0.50% · 4.625%
HK$21,770
+HK$1,249/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,042/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,967 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,482
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,058
−HK$585/mo
Today · 4.125%
HK$22,643
baseline
▲ 0.50% · 4.625%
HK$23,836
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,286/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,967 · 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).