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$10,724
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,058
−HK$339/mo
Today · 4.125%
HK$11,397
baseline
▲ 0.50% · 4.625%
HK$12,090
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,794/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,931
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,251
−HK$324/mo
Today · 4.125%
HK$12,575
baseline
▲ 0.50% · 4.625%
HK$13,238
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,150/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,869
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,269
−HK$407/mo
Today · 4.125%
HK$13,676
baseline
▲ 0.50% · 4.625%
HK$14,508
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,352/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,317
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,701
−HK$389/mo
Today · 4.125%
HK$15,090
baseline
▲ 0.50% · 4.625%
HK$15,886
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,180/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,014
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,481
−HK$474/mo
Today · 4.125%
HK$15,955
baseline
▲ 0.50% · 4.625%
HK$16,926
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,910/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,703
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,151
−HK$454/mo
Today · 4.125%
HK$17,605
baseline
▲ 0.50% · 4.625%
HK$18,533
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,210/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,304
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,904
−HK$610/mo
Today · 4.125%
HK$20,514
baseline
▲ 0.50% · 4.625%
HK$21,762
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,028/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,807 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,475
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,051
−HK$584/mo
Today · 4.125%
HK$22,635
baseline
▲ 0.50% · 4.625%
HK$23,828
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,270/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,807 · 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).