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$10,671
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,003
−HK$337/mo
Today · 4.125%
HK$11,340
baseline
▲ 0.50% · 4.625%
HK$12,030
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,680/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,871
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,190
−HK$323/mo
Today · 4.125%
HK$12,513
baseline
▲ 0.50% · 4.625%
HK$13,172
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,026/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,805
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,203
−HK$405/mo
Today · 4.125%
HK$13,608
baseline
▲ 0.50% · 4.625%
HK$14,436
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,216/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,245
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$388/mo
Today · 4.125%
HK$15,015
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,030/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,939
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,404
−HK$472/mo
Today · 4.125%
HK$15,876
baseline
▲ 0.50% · 4.625%
HK$16,842
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,752/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,620
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,065
−HK$453/mo
Today · 4.125%
HK$17,518
baseline
▲ 0.50% · 4.625%
HK$18,441
+HK$923/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,036/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,207
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,805
−HK$607/mo
Today · 4.125%
HK$20,412
baseline
▲ 0.50% · 4.625%
HK$21,654
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,824/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,368
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,941
−HK$582/mo
Today · 4.125%
HK$22,523
baseline
▲ 0.50% · 4.625%
HK$23,710
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,046/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,465 · 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).