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$10,713
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$339/mo
Today · 4.125%
HK$11,385
baseline
▲ 0.50% · 4.625%
HK$12,078
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,770/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,918
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,238
−HK$324/mo
Today · 4.125%
HK$12,562
baseline
▲ 0.50% · 4.625%
HK$13,224
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,124/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,856
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,256
−HK$406/mo
Today · 4.125%
HK$13,662
baseline
▲ 0.50% · 4.625%
HK$14,493
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,324/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,302
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,685
−HK$390/mo
Today · 4.125%
HK$15,075
baseline
▲ 0.50% · 4.625%
HK$15,869
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,150/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,998
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,465
−HK$474/mo
Today · 4.125%
HK$15,939
baseline
▲ 0.50% · 4.625%
HK$16,909
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,878/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,685
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,133
−HK$454/mo
Today · 4.125%
HK$17,587
baseline
▲ 0.50% · 4.625%
HK$18,514
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,174/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,284
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,883
−HK$610/mo
Today · 4.125%
HK$20,493
baseline
▲ 0.50% · 4.625%
HK$21,740
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,986/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,453
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,028
−HK$584/mo
Today · 4.125%
HK$22,612
baseline
▲ 0.50% · 4.625%
HK$23,804
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,224/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,319 · 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).