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$10,701
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$338/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,744/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,905
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$324/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,209
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,096/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,841
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,241
−HK$405/mo
Today · 4.125%
HK$13,646
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,292/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,286
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$389/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,851
+HK$793/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,981
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,447
−HK$474/mo
Today · 4.125%
HK$15,921
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,842/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$453/mo
Today · 4.125%
HK$17,567
baseline
▲ 0.50% · 4.625%
HK$18,493
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,134/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,262
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,861
−HK$609/mo
Today · 4.125%
HK$20,470
baseline
▲ 0.50% · 4.625%
HK$21,715
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,940/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$22,003
−HK$583/mo
Today · 4.125%
HK$22,586
baseline
▲ 0.50% · 4.625%
HK$23,777
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,172/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,790 · 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).