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$10,726
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,059
−HK$339/mo
Today · 4.125%
HK$11,398
baseline
▲ 0.50% · 4.625%
HK$12,092
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,796/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,932
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,252
−HK$325/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,154/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,271
−HK$407/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,510
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,319
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$389/mo
Today · 4.125%
HK$15,092
baseline
▲ 0.50% · 4.625%
HK$15,888
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,184/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,016
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,483
−HK$475/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,928
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,705
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,153
−HK$455/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,306
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$610/mo
Today · 4.125%
HK$20,517
baseline
▲ 0.50% · 4.625%
HK$21,765
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,034/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,478
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,054
−HK$584/mo
Today · 4.125%
HK$22,638
baseline
▲ 0.50% · 4.625%
HK$23,832
+HK$1,194/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,276/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,870 · 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).