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$10,698
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,030
−HK$339/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$12,060
+HK$691/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,738/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,901
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,220
−HK$324/mo
Today · 4.125%
HK$12,544
baseline
▲ 0.50% · 4.625%
HK$13,205
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,088/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,837
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,237
−HK$405/mo
Today · 4.125%
HK$13,642
baseline
▲ 0.50% · 4.625%
HK$14,472
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,284/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,281
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,664
−HK$389/mo
Today · 4.125%
HK$15,053
baseline
▲ 0.50% · 4.625%
HK$15,846
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,106/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,977
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,443
−HK$473/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,884
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,832/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,662
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,108
−HK$454/mo
Today · 4.125%
HK$17,562
baseline
▲ 0.50% · 4.625%
HK$18,487
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,124/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,256
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,855
−HK$608/mo
Today · 4.125%
HK$20,463
baseline
▲ 0.50% · 4.625%
HK$21,709
+HK$1,246/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,926/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,422
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,997
−HK$582/mo
Today · 4.125%
HK$22,579
baseline
▲ 0.50% · 4.625%
HK$23,770
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,158/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,646 · 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).