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$10,720
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,053
−HK$339/mo
Today · 4.125%
HK$11,392
baseline
▲ 0.50% · 4.625%
HK$12,085
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,784/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,926
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,245
−HK$325/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,232
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,140/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,864
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,264
−HK$406/mo
Today · 4.125%
HK$13,670
baseline
▲ 0.50% · 4.625%
HK$14,502
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,340/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,311
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,694
−HK$390/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$15,879
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,168/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,008
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,474
−HK$475/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,919
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$454/mo
Today · 4.125%
HK$17,598
baseline
▲ 0.50% · 4.625%
HK$18,525
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,196/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,295
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$609/mo
Today · 4.125%
HK$20,505
baseline
▲ 0.50% · 4.625%
HK$21,753
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,010/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,611 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,466
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,042
−HK$584/mo
Today · 4.125%
HK$22,626
baseline
▲ 0.50% · 4.625%
HK$23,818
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,252/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,611 · 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).