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$10,705
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,038
−HK$338/mo
Today · 4.125%
HK$11,376
baseline
▲ 0.50% · 4.625%
HK$12,068
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,752/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,909
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$324/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,214
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,104/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,846
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,245
−HK$406/mo
Today · 4.125%
HK$13,651
baseline
▲ 0.50% · 4.625%
HK$14,482
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,302/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,291
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,674
−HK$389/mo
Today · 4.125%
HK$15,063
baseline
▲ 0.50% · 4.625%
HK$15,857
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,126/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,987
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,453
−HK$474/mo
Today · 4.125%
HK$15,927
baseline
▲ 0.50% · 4.625%
HK$16,896
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,854/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,673
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,120
−HK$453/mo
Today · 4.125%
HK$17,573
baseline
▲ 0.50% · 4.625%
HK$18,500
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,146/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,269
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,868
−HK$609/mo
Today · 4.125%
HK$20,477
baseline
▲ 0.50% · 4.625%
HK$21,723
+HK$1,246/mo
Deposit HK$469K · loan HK$4.23M · min. income ≈ HK$40,954/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,436
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,011
−HK$583/mo
Today · 4.125%
HK$22,594
baseline
▲ 0.50% · 4.625%
HK$23,785
+HK$1,191/mo
Deposit HK$469K · loan HK$4.23M · min. income ≈ HK$45,188/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,959 · 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).