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$10,725
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,059
−HK$339/mo
Today · 4.125%
HK$11,398
baseline
▲ 0.50% · 4.625%
HK$12,091
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,796/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,932
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$324/mo
Today · 4.125%
HK$12,576
baseline
▲ 0.50% · 4.625%
HK$13,239
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,152/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,870
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$406/mo
Today · 4.125%
HK$13,677
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,354/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,318
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,702
−HK$390/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$15,887
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,015
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,482
−HK$475/mo
Today · 4.125%
HK$15,957
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,914/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,704
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,152
−HK$455/mo
Today · 4.125%
HK$17,607
baseline
▲ 0.50% · 4.625%
HK$18,535
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,214/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,305
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,906
−HK$610/mo
Today · 4.125%
HK$20,516
baseline
▲ 0.50% · 4.625%
HK$21,764
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,032/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,477
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,053
−HK$584/mo
Today · 4.125%
HK$22,637
baseline
▲ 0.50% · 4.625%
HK$23,831
+HK$1,194/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,274/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,854 · 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).