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$10,696
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$338/mo
Today · 4.125%
HK$11,367
baseline
▲ 0.50% · 4.625%
HK$12,059
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,734/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,900
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,219
−HK$324/mo
Today · 4.125%
HK$12,543
baseline
▲ 0.50% · 4.625%
HK$13,204
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,086/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,836
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,235
−HK$406/mo
Today · 4.125%
HK$13,641
baseline
▲ 0.50% · 4.625%
HK$14,471
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,282/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,280
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$389/mo
Today · 4.125%
HK$15,051
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,102/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,975
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,441
−HK$473/mo
Today · 4.125%
HK$15,914
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,828/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,659
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$454/mo
Today · 4.125%
HK$17,560
baseline
▲ 0.50% · 4.625%
HK$18,485
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,120/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$609/mo
Today · 4.125%
HK$20,461
baseline
▲ 0.50% · 4.625%
HK$21,706
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,922/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,587 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,419
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,994
−HK$583/mo
Today · 4.125%
HK$22,577
baseline
▲ 0.50% · 4.625%
HK$23,767
+HK$1,190/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,154/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,587 · 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).