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$10,661
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,992
−HK$337/mo
Today · 4.125%
HK$11,329
baseline
▲ 0.50% · 4.625%
HK$12,018
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,658/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,860
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,178
−HK$323/mo
Today · 4.125%
HK$12,501
baseline
▲ 0.50% · 4.625%
HK$13,159
+HK$658/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,002/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,793
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,191
−HK$404/mo
Today · 4.125%
HK$13,595
baseline
▲ 0.50% · 4.625%
HK$14,422
+HK$827/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,190/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,232
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,613
−HK$388/mo
Today · 4.125%
HK$15,001
baseline
▲ 0.50% · 4.625%
HK$15,791
+HK$790/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,002/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,925
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,389
−HK$472/mo
Today · 4.125%
HK$15,861
baseline
▲ 0.50% · 4.625%
HK$16,826
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,722/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,604
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,049
−HK$452/mo
Today · 4.125%
HK$17,501
baseline
▲ 0.50% · 4.625%
HK$18,423
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,002/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,189
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,786
−HK$606/mo
Today · 4.125%
HK$20,392
baseline
▲ 0.50% · 4.625%
HK$21,633
+HK$1,241/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,784/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,348
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,920
−HK$581/mo
Today · 4.125%
HK$22,501
baseline
▲ 0.50% · 4.625%
HK$23,687
+HK$1,186/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,002/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,016 · 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).