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$10,678
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$338/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$12,038
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,696/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,879
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,198
−HK$323/mo
Today · 4.125%
HK$12,521
baseline
▲ 0.50% · 4.625%
HK$13,181
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,042/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,814
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,212
−HK$405/mo
Today · 4.125%
HK$13,617
baseline
▲ 0.50% · 4.625%
HK$14,446
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,234/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,255
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$388/mo
Today · 4.125%
HK$15,025
baseline
▲ 0.50% · 4.625%
HK$15,817
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,050/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,949
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,414
−HK$473/mo
Today · 4.125%
HK$15,887
baseline
▲ 0.50% · 4.625%
HK$16,853
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,774/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,631
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,077
−HK$452/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,453
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,221
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,818
−HK$608/mo
Today · 4.125%
HK$20,426
baseline
▲ 0.50% · 4.625%
HK$21,669
+HK$1,243/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,852/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,383
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,956
−HK$582/mo
Today · 4.125%
HK$22,538
baseline
▲ 0.50% · 4.625%
HK$23,726
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,076/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,784 · 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).