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$10,694
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,027
−HK$338/mo
Today · 4.125%
HK$11,365
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,730/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,897
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,217
−HK$323/mo
Today · 4.125%
HK$12,540
baseline
▲ 0.50% · 4.625%
HK$13,201
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,080/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,833
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,232
−HK$406/mo
Today · 4.125%
HK$13,638
baseline
▲ 0.50% · 4.625%
HK$14,468
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,276/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,277
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,660
−HK$388/mo
Today · 4.125%
HK$15,048
baseline
▲ 0.50% · 4.625%
HK$15,841
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,096/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,972
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,438
−HK$473/mo
Today · 4.125%
HK$15,911
baseline
▲ 0.50% · 4.625%
HK$16,879
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,822/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,656
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,103
−HK$453/mo
Today · 4.125%
HK$17,556
baseline
▲ 0.50% · 4.625%
HK$18,482
+HK$926/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,112/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,250
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,849
−HK$608/mo
Today · 4.125%
HK$20,457
baseline
▲ 0.50% · 4.625%
HK$21,702
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,914/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,415
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,990
−HK$582/mo
Today · 4.125%
HK$22,572
baseline
▲ 0.50% · 4.625%
HK$23,762
+HK$1,190/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,144/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,501 · 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).