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$10,727
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,060
−HK$339/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,093
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,798/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,933
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$325/mo
Today · 4.125%
HK$12,578
baseline
▲ 0.50% · 4.625%
HK$13,241
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,156/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,872
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,273
−HK$406/mo
Today · 4.125%
HK$13,679
baseline
▲ 0.50% · 4.625%
HK$14,512
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,358/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,320
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,704
−HK$390/mo
Today · 4.125%
HK$15,094
baseline
▲ 0.50% · 4.625%
HK$15,889
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,188/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,017
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,485
−HK$474/mo
Today · 4.125%
HK$15,959
baseline
▲ 0.50% · 4.625%
HK$16,930
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,918/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,707
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,155
−HK$454/mo
Today · 4.125%
HK$17,609
baseline
▲ 0.50% · 4.625%
HK$18,538
+HK$929/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,218/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,308
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,909
−HK$610/mo
Today · 4.125%
HK$20,519
baseline
▲ 0.50% · 4.625%
HK$21,767
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,038/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,480
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,056
−HK$585/mo
Today · 4.125%
HK$22,641
baseline
▲ 0.50% · 4.625%
HK$23,834
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,282/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,920 · 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).