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$10,730
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,064
−HK$339/mo
Today · 4.125%
HK$11,403
baseline
▲ 0.50% · 4.625%
HK$12,097
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,806/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,937
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,258
−HK$324/mo
Today · 4.125%
HK$12,582
baseline
▲ 0.50% · 4.625%
HK$13,246
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,164/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,876
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,277
−HK$407/mo
Today · 4.125%
HK$13,684
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,368/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,325
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,709
−HK$390/mo
Today · 4.125%
HK$15,099
baseline
▲ 0.50% · 4.625%
HK$15,895
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,198/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,022
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,490
−HK$474/mo
Today · 4.125%
HK$15,964
baseline
▲ 0.50% · 4.625%
HK$16,936
+HK$972/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,928/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,712
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,161
−HK$454/mo
Today · 4.125%
HK$17,615
baseline
▲ 0.50% · 4.625%
HK$18,544
+HK$929/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,230/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,315
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,915
−HK$611/mo
Today · 4.125%
HK$20,526
baseline
▲ 0.50% · 4.625%
HK$21,775
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,052/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,487
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,064
−HK$584/mo
Today · 4.125%
HK$22,648
baseline
▲ 0.50% · 4.625%
HK$23,842
+HK$1,194/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,296/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,075 · 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).