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$10,700
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,033
−HK$338/mo
Today · 4.125%
HK$11,371
baseline
▲ 0.50% · 4.625%
HK$12,063
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,742/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,903
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,223
−HK$323/mo
Today · 4.125%
HK$12,546
baseline
▲ 0.50% · 4.625%
HK$13,208
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,092/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,840
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,239
−HK$406/mo
Today · 4.125%
HK$13,645
baseline
▲ 0.50% · 4.625%
HK$14,475
+HK$830/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,290/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,284
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,667
−HK$389/mo
Today · 4.125%
HK$15,056
baseline
▲ 0.50% · 4.625%
HK$15,849
+HK$793/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,112/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,980
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,446
−HK$473/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,888
+HK$969/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,838/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,665
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,112
−HK$453/mo
Today · 4.125%
HK$17,565
baseline
▲ 0.50% · 4.625%
HK$18,491
+HK$926/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,130/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,260
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,859
−HK$608/mo
Today · 4.125%
HK$20,467
baseline
▲ 0.50% · 4.625%
HK$21,713
+HK$1,246/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,934/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,426
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,001
−HK$583/mo
Today · 4.125%
HK$22,584
baseline
▲ 0.50% · 4.625%
HK$23,774
+HK$1,190/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,168/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,734 · 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).