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$10,706
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$339/mo
Today · 4.125%
HK$11,378
baseline
▲ 0.50% · 4.625%
HK$12,070
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,756/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$87,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,911
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,230
−HK$324/mo
Today · 4.125%
HK$12,554
baseline
▲ 0.50% · 4.625%
HK$13,216
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,108/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$87,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,847
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,247
−HK$406/mo
Today · 4.125%
HK$13,653
baseline
▲ 0.50% · 4.625%
HK$14,484
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,306/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,293
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,676
−HK$389/mo
Today · 4.125%
HK$15,065
baseline
▲ 0.50% · 4.625%
HK$15,859
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,130/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,989
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,455
−HK$474/mo
Today · 4.125%
HK$15,929
baseline
▲ 0.50% · 4.625%
HK$16,898
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,858/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,675
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,122
−HK$454/mo
Today · 4.125%
HK$17,576
baseline
▲ 0.50% · 4.625%
HK$18,502
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,152/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,271
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,871
−HK$609/mo
Today · 4.125%
HK$20,480
baseline
▲ 0.50% · 4.625%
HK$21,726
+HK$1,246/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,960/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,439
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,014
−HK$583/mo
Today · 4.125%
HK$22,597
baseline
▲ 0.50% · 4.625%
HK$23,788
+HK$1,191/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,194/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,017 · 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).