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$10,723
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,056
−HK$339/mo
Today · 4.125%
HK$11,395
baseline
▲ 0.50% · 4.625%
HK$12,089
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,790/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,929
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,249
−HK$325/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,236
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,148/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,867
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,268
−HK$406/mo
Today · 4.125%
HK$13,674
baseline
▲ 0.50% · 4.625%
HK$14,506
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,348/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,315
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,699
−HK$389/mo
Today · 4.125%
HK$15,088
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,176/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,012
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,479
−HK$474/mo
Today · 4.125%
HK$15,953
baseline
▲ 0.50% · 4.625%
HK$16,924
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,906/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,701
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,149
−HK$454/mo
Today · 4.125%
HK$17,603
baseline
▲ 0.50% · 4.625%
HK$18,531
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,206/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,301
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,902
−HK$610/mo
Today · 4.125%
HK$20,512
baseline
▲ 0.50% · 4.625%
HK$21,760
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,024/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,472
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,048
−HK$584/mo
Today · 4.125%
HK$22,632
baseline
▲ 0.50% · 4.625%
HK$23,825
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,264/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,749 · 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).