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$10,703
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$338/mo
Today · 4.125%
HK$11,374
baseline
▲ 0.50% · 4.625%
HK$12,066
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,748/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,907
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$324/mo
Today · 4.125%
HK$12,550
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,100/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,844
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,243
−HK$406/mo
Today · 4.125%
HK$13,649
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,298/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,288
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$388/mo
Today · 4.125%
HK$15,060
baseline
▲ 0.50% · 4.625%
HK$15,854
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,120/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,984
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,450
−HK$474/mo
Today · 4.125%
HK$15,924
baseline
▲ 0.50% · 4.625%
HK$16,893
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,848/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,670
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,117
−HK$454/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,142/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,865
−HK$609/mo
Today · 4.125%
HK$20,474
baseline
▲ 0.50% · 4.625%
HK$21,719
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,948/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,433
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$583/mo
Today · 4.125%
HK$22,591
baseline
▲ 0.50% · 4.625%
HK$23,781
+HK$1,190/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,182/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,881 · 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).