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$10,673
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$338/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,686/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,874
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$323/mo
Today · 4.125%
HK$12,515
baseline
▲ 0.50% · 4.625%
HK$13,175
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,030/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,808
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,206
−HK$405/mo
Today · 4.125%
HK$13,611
baseline
▲ 0.50% · 4.625%
HK$14,439
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,222/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$387/mo
Today · 4.125%
HK$15,018
baseline
▲ 0.50% · 4.625%
HK$15,810
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,036/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,943
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,407
−HK$473/mo
Today · 4.125%
HK$15,880
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,760/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,623
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,069
−HK$453/mo
Today · 4.125%
HK$17,522
baseline
▲ 0.50% · 4.625%
HK$18,445
+HK$923/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,044/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,809
−HK$608/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,659
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,572 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,373
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,946
−HK$582/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,715
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,572 · 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).