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$10,694
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,026
−HK$338/mo
Today · 4.125%
HK$11,364
baseline
▲ 0.50% · 4.625%
HK$12,056
+HK$692/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,728/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,896
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,216
−HK$323/mo
Today · 4.125%
HK$12,539
baseline
▲ 0.50% · 4.625%
HK$13,200
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,078/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,832
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,231
−HK$406/mo
Today · 4.125%
HK$13,637
baseline
▲ 0.50% · 4.625%
HK$14,467
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,274/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,276
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,659
−HK$388/mo
Today · 4.125%
HK$15,047
baseline
▲ 0.50% · 4.625%
HK$15,840
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,094/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,971
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,437
−HK$473/mo
Today · 4.125%
HK$15,910
baseline
▲ 0.50% · 4.625%
HK$16,878
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,820/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,655
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,102
−HK$453/mo
Today · 4.125%
HK$17,555
baseline
▲ 0.50% · 4.625%
HK$18,480
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,110/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,248
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,847
−HK$608/mo
Today · 4.125%
HK$20,455
baseline
▲ 0.50% · 4.625%
HK$21,700
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,910/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,414
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,988
−HK$583/mo
Today · 4.125%
HK$22,571
baseline
▲ 0.50% · 4.625%
HK$23,760
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,142/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,464 · 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).