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$11,032
−HK$339/mo
Today · 4.125%
HK$11,371
baseline
▲ 0.50% · 4.625%
HK$12,062
+HK$691/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$86,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,903
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,222
−HK$324/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$86,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,839
−HK$806/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$86,727 · 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$86,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,979
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,445
−HK$474/mo
Today · 4.125%
HK$15,919
baseline
▲ 0.50% · 4.625%
HK$16,887
+HK$968/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$86,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,664
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,111
−HK$454/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$86,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,259
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,858
−HK$609/mo
Today · 4.125%
HK$20,467
baseline
▲ 0.50% · 4.625%
HK$21,712
+HK$1,245/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$86,727 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,426
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$22,000
−HK$583/mo
Today · 4.125%
HK$22,583
baseline
▲ 0.50% · 4.625%
HK$23,774
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,166/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,727 · 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).