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$10,677
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,010
−HK$337/mo
Today · 4.125%
HK$11,347
baseline
▲ 0.50% · 4.625%
HK$12,037
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,694/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,879
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,197
−HK$323/mo
Today · 4.125%
HK$12,520
baseline
▲ 0.50% · 4.625%
HK$13,180
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,040/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,813
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,212
−HK$404/mo
Today · 4.125%
HK$13,616
baseline
▲ 0.50% · 4.625%
HK$14,445
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,232/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,254
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,637
−HK$387/mo
Today · 4.125%
HK$15,024
baseline
▲ 0.50% · 4.625%
HK$15,816
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,048/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,948
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,413
−HK$473/mo
Today · 4.125%
HK$15,886
baseline
▲ 0.50% · 4.625%
HK$16,852
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,772/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,630
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,076
−HK$453/mo
Today · 4.125%
HK$17,529
baseline
▲ 0.50% · 4.625%
HK$18,452
+HK$923/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,058/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,219
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,817
−HK$608/mo
Today · 4.125%
HK$20,425
baseline
▲ 0.50% · 4.625%
HK$21,667
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,850/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,381
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,955
−HK$582/mo
Today · 4.125%
HK$22,537
baseline
▲ 0.50% · 4.625%
HK$23,725
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,074/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,759 · 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).