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$10,668
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$337/mo
Today · 4.125%
HK$11,337
baseline
▲ 0.50% · 4.625%
HK$12,027
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,674/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,868
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,186
−HK$323/mo
Today · 4.125%
HK$12,509
baseline
▲ 0.50% · 4.625%
HK$13,169
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,018/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,802
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,200
−HK$404/mo
Today · 4.125%
HK$13,604
baseline
▲ 0.50% · 4.625%
HK$14,432
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,208/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,624
−HK$387/mo
Today · 4.125%
HK$15,011
baseline
▲ 0.50% · 4.625%
HK$15,802
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,022/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,935
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$472/mo
Today · 4.125%
HK$15,872
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$966/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,744/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,615
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$452/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,436
+HK$923/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,026/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,202
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$607/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,648
+HK$1,241/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,342 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,362
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,935
−HK$582/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,703
+HK$1,186/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,342 · 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).