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$10,723
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,057
−HK$339/mo
Today · 4.125%
HK$11,396
baseline
▲ 0.50% · 4.625%
HK$12,089
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,792/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,930
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,250
−HK$324/mo
Today · 4.125%
HK$12,574
baseline
▲ 0.50% · 4.625%
HK$13,237
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,148/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,868
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,268
−HK$407/mo
Today · 4.125%
HK$13,675
baseline
▲ 0.50% · 4.625%
HK$14,507
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,350/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,316
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,700
−HK$389/mo
Today · 4.125%
HK$15,089
baseline
▲ 0.50% · 4.625%
HK$15,884
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,178/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,013
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,480
−HK$474/mo
Today · 4.125%
HK$15,954
baseline
▲ 0.50% · 4.625%
HK$16,925
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,908/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,702
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,150
−HK$454/mo
Today · 4.125%
HK$17,604
baseline
▲ 0.50% · 4.625%
HK$18,532
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,208/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,302
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,903
−HK$610/mo
Today · 4.125%
HK$20,513
baseline
▲ 0.50% · 4.625%
HK$21,761
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,026/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,773 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,473
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,049
−HK$585/mo
Today · 4.125%
HK$22,634
baseline
▲ 0.50% · 4.625%
HK$23,827
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,268/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,773 · 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).