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$10,715
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,049
−HK$338/mo
Today · 4.125%
HK$11,387
baseline
▲ 0.50% · 4.625%
HK$12,080
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,774/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,921
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$325/mo
Today · 4.125%
HK$12,565
baseline
▲ 0.50% · 4.625%
HK$13,227
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,130/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,858
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,258
−HK$407/mo
Today · 4.125%
HK$13,665
baseline
▲ 0.50% · 4.625%
HK$14,496
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,330/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,305
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,688
−HK$390/mo
Today · 4.125%
HK$15,078
baseline
▲ 0.50% · 4.625%
HK$15,872
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,156/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,001
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,468
−HK$474/mo
Today · 4.125%
HK$15,942
baseline
▲ 0.50% · 4.625%
HK$16,912
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,884/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,689
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,137
−HK$454/mo
Today · 4.125%
HK$17,591
baseline
▲ 0.50% · 4.625%
HK$18,518
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,182/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,288
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,887
−HK$610/mo
Today · 4.125%
HK$20,497
baseline
▲ 0.50% · 4.625%
HK$21,744
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,994/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,417 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,457
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,033
−HK$583/mo
Today · 4.125%
HK$22,616
baseline
▲ 0.50% · 4.625%
HK$23,809
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,232/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,417 · 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).