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$10,732
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,066
−HK$339/mo
Today · 4.125%
HK$11,405
baseline
▲ 0.50% · 4.625%
HK$12,099
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,810/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,939
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,260
−HK$324/mo
Today · 4.125%
HK$12,584
baseline
▲ 0.50% · 4.625%
HK$13,248
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,168/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,879
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,279
−HK$407/mo
Today · 4.125%
HK$13,686
baseline
▲ 0.50% · 4.625%
HK$14,519
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,372/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,327
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,711
−HK$390/mo
Today · 4.125%
HK$15,101
baseline
▲ 0.50% · 4.625%
HK$15,897
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,202/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,025
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,492
−HK$475/mo
Today · 4.125%
HK$15,967
baseline
▲ 0.50% · 4.625%
HK$16,939
+HK$972/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,934/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,715
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,163
−HK$455/mo
Today · 4.125%
HK$17,618
baseline
▲ 0.50% · 4.625%
HK$18,547
+HK$929/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,236/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,318
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,919
−HK$610/mo
Today · 4.125%
HK$20,529
baseline
▲ 0.50% · 4.625%
HK$21,778
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,058/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,153 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,491
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,067
−HK$585/mo
Today · 4.125%
HK$22,652
baseline
▲ 0.50% · 4.625%
HK$23,846
+HK$1,194/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,304/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,153 · 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).