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$10,692
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,024
−HK$338/mo
Today · 4.125%
HK$11,362
baseline
▲ 0.50% · 4.625%
HK$12,054
+HK$692/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,724/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,894
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$324/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,198
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,074/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,830
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,229
−HK$406/mo
Today · 4.125%
HK$13,635
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$829/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,270/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,273
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$389/mo
Today · 4.125%
HK$15,045
baseline
▲ 0.50% · 4.625%
HK$15,838
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,090/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,968
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$473/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,875
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,814/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,099
−HK$453/mo
Today · 4.125%
HK$17,552
baseline
▲ 0.50% · 4.625%
HK$18,477
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,104/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,245
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,844
−HK$608/mo
Today · 4.125%
HK$20,452
baseline
▲ 0.50% · 4.625%
HK$21,696
+HK$1,244/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,904/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,385 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,410
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,984
−HK$583/mo
Today · 4.125%
HK$22,567
baseline
▲ 0.50% · 4.625%
HK$23,756
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,134/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,385 · 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).