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$10,735
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,069
−HK$339/mo
Today · 4.125%
HK$11,408
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,816/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,943
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,263
−HK$325/mo
Today · 4.125%
HK$12,588
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,176/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,882
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,283
−HK$407/mo
Today · 4.125%
HK$13,690
baseline
▲ 0.50% · 4.625%
HK$14,523
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,380/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,331
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$390/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$15,902
+HK$797/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,029
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,497
−HK$474/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,943
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,720
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,168
−HK$455/mo
Today · 4.125%
HK$17,623
baseline
▲ 0.50% · 4.625%
HK$18,552
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,246/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,323
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,924
−HK$611/mo
Today · 4.125%
HK$20,535
baseline
▲ 0.50% · 4.625%
HK$21,784
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,070/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,282 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,497
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,073
−HK$585/mo
Today · 4.125%
HK$22,658
baseline
▲ 0.50% · 4.625%
HK$23,852
+HK$1,194/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,316/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,282 · 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).