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$10,677
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,009
−HK$337/mo
Today · 4.125%
HK$11,346
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,692/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,878
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,196
−HK$323/mo
Today · 4.125%
HK$12,519
baseline
▲ 0.50% · 4.625%
HK$13,179
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,038/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,812
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,210
−HK$405/mo
Today · 4.125%
HK$13,615
baseline
▲ 0.50% · 4.625%
HK$14,444
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,230/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,253
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,635
−HK$388/mo
Today · 4.125%
HK$15,023
baseline
▲ 0.50% · 4.625%
HK$15,815
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,046/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,947
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,412
−HK$473/mo
Today · 4.125%
HK$15,885
baseline
▲ 0.50% · 4.625%
HK$16,851
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,770/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,629
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,075
−HK$452/mo
Today · 4.125%
HK$17,527
baseline
▲ 0.50% · 4.625%
HK$18,451
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,054/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,218
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,816
−HK$607/mo
Today · 4.125%
HK$20,423
baseline
▲ 0.50% · 4.625%
HK$21,666
+HK$1,243/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,846/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,719 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,380
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,953
−HK$582/mo
Today · 4.125%
HK$22,535
baseline
▲ 0.50% · 4.625%
HK$23,723
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,070/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,719 · 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).