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$10,734
−HK$674/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$340/mo
Today · 4.125%
HK$11,408
baseline
▲ 0.50% · 4.625%
HK$12,102
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,816/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,942
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,262
−HK$325/mo
Today · 4.125%
HK$12,587
baseline
▲ 0.50% · 4.625%
HK$13,251
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,174/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,881
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,282
−HK$407/mo
Today · 4.125%
HK$13,689
baseline
▲ 0.50% · 4.625%
HK$14,522
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,378/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,330
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,715
−HK$390/mo
Today · 4.125%
HK$15,105
baseline
▲ 0.50% · 4.625%
HK$15,901
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,210/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,028
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,496
−HK$475/mo
Today · 4.125%
HK$15,971
baseline
▲ 0.50% · 4.625%
HK$16,942
+HK$971/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,942/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,719
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,167
−HK$455/mo
Today · 4.125%
HK$17,622
baseline
▲ 0.50% · 4.625%
HK$18,551
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,244/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,322
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,923
−HK$611/mo
Today · 4.125%
HK$20,534
baseline
▲ 0.50% · 4.625%
HK$21,783
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,068/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,256 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,495
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,072
−HK$585/mo
Today · 4.125%
HK$22,657
baseline
▲ 0.50% · 4.625%
HK$23,851
+HK$1,194/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,314/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,256 · 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).