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$10,695
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$338/mo
Today · 4.125%
HK$11,366
baseline
▲ 0.50% · 4.625%
HK$12,057
+HK$691/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,732/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,898
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,217
−HK$324/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,082/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,834
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,233
−HK$406/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$388/mo
Today · 4.125%
HK$15,049
baseline
▲ 0.50% · 4.625%
HK$15,842
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,098/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,973
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$473/mo
Today · 4.125%
HK$15,912
baseline
▲ 0.50% · 4.625%
HK$16,880
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,824/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,657
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,104
−HK$453/mo
Today · 4.125%
HK$17,557
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$926/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,114/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,251
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,850
−HK$608/mo
Today · 4.125%
HK$20,458
baseline
▲ 0.50% · 4.625%
HK$21,703
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,916/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,525 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,416
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,991
−HK$583/mo
Today · 4.125%
HK$22,574
baseline
▲ 0.50% · 4.625%
HK$23,763
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,148/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,525 · 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).