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$10,680
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,012
−HK$338/mo
Today · 4.125%
HK$11,350
baseline
▲ 0.50% · 4.625%
HK$12,041
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,700/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,882
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,200
−HK$324/mo
Today · 4.125%
HK$12,524
baseline
▲ 0.50% · 4.625%
HK$13,184
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,048/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,816
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,215
−HK$405/mo
Today · 4.125%
HK$13,620
baseline
▲ 0.50% · 4.625%
HK$14,449
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,240/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,258
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,640
−HK$388/mo
Today · 4.125%
HK$15,028
baseline
▲ 0.50% · 4.625%
HK$15,821
+HK$793/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,056/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,952
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,417
−HK$473/mo
Today · 4.125%
HK$15,890
baseline
▲ 0.50% · 4.625%
HK$16,857
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,780/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,634
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,080
−HK$453/mo
Today · 4.125%
HK$17,533
baseline
▲ 0.50% · 4.625%
HK$18,457
+HK$924/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,066/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,224
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,822
−HK$608/mo
Today · 4.125%
HK$20,430
baseline
▲ 0.50% · 4.625%
HK$21,673
+HK$1,243/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$40,860/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,387
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,961
−HK$582/mo
Today · 4.125%
HK$22,543
baseline
▲ 0.50% · 4.625%
HK$23,731
+HK$1,188/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$45,086/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,880 · 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).