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$10,704
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,036
−HK$339/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,750/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,908
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,227
−HK$324/mo
Today · 4.125%
HK$12,551
baseline
▲ 0.50% · 4.625%
HK$13,212
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,102/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,844
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$406/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,480
+HK$830/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,300/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,289
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,672
−HK$389/mo
Today · 4.125%
HK$15,061
baseline
▲ 0.50% · 4.625%
HK$15,855
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,122/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,985
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,451
−HK$474/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,894
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,671
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,118
−HK$453/mo
Today · 4.125%
HK$17,571
baseline
▲ 0.50% · 4.625%
HK$18,497
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,142/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,266
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,866
−HK$609/mo
Today · 4.125%
HK$20,475
baseline
▲ 0.50% · 4.625%
HK$21,720
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,950/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,434
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,008
−HK$584/mo
Today · 4.125%
HK$22,592
baseline
▲ 0.50% · 4.625%
HK$23,782
+HK$1,190/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,184/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,901 · 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).