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$10,702
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$338/mo
Today · 4.125%
HK$11,373
baseline
▲ 0.50% · 4.625%
HK$12,065
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,746/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,906
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,225
−HK$324/mo
Today · 4.125%
HK$12,549
baseline
▲ 0.50% · 4.625%
HK$13,210
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,098/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,842
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$405/mo
Today · 4.125%
HK$13,647
baseline
▲ 0.50% · 4.625%
HK$14,478
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,294/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,287
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,670
−HK$389/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,852
+HK$793/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,982
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$474/mo
Today · 4.125%
HK$15,922
baseline
▲ 0.50% · 4.625%
HK$16,891
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,844/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,668
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,115
−HK$453/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,494
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,263
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,862
−HK$609/mo
Today · 4.125%
HK$20,471
baseline
▲ 0.50% · 4.625%
HK$21,717
+HK$1,246/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,942/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,430
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,005
−HK$583/mo
Today · 4.125%
HK$22,588
baseline
▲ 0.50% · 4.625%
HK$23,779
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,176/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,823 · 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).