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$10,707
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,040
−HK$339/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$87,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,912
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,231
−HK$324/mo
Today · 4.125%
HK$12,555
baseline
▲ 0.50% · 4.625%
HK$13,217
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,110/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$87,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,849
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,248
−HK$407/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,485
+HK$830/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$87,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,294
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$388/mo
Today · 4.125%
HK$15,066
baseline
▲ 0.50% · 4.625%
HK$15,861
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,132/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,990
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,457
−HK$473/mo
Today · 4.125%
HK$15,930
baseline
▲ 0.50% · 4.625%
HK$16,900
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,860/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,068 · 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$18,504
+HK$926/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$87,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,273
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,873
−HK$609/mo
Today · 4.125%
HK$20,482
baseline
▲ 0.50% · 4.625%
HK$21,728
+HK$1,246/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$87,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,441
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,016
−HK$584/mo
Today · 4.125%
HK$22,600
baseline
▲ 0.50% · 4.625%
HK$23,791
+HK$1,191/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$87,068 · 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).