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$10,675
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,007
−HK$337/mo
Today · 4.125%
HK$11,344
baseline
▲ 0.50% · 4.625%
HK$12,035
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,688/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,876
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,194
−HK$323/mo
Today · 4.125%
HK$12,517
baseline
▲ 0.50% · 4.625%
HK$13,177
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,034/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,810
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,208
−HK$405/mo
Today · 4.125%
HK$13,613
baseline
▲ 0.50% · 4.625%
HK$14,441
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,226/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,251
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,633
−HK$388/mo
Today · 4.125%
HK$15,021
baseline
▲ 0.50% · 4.625%
HK$15,813
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,042/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,945
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,410
−HK$472/mo
Today · 4.125%
HK$15,882
baseline
▲ 0.50% · 4.625%
HK$16,848
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,764/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,626
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,072
−HK$452/mo
Today · 4.125%
HK$17,524
baseline
▲ 0.50% · 4.625%
HK$18,448
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,048/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,215
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,813
−HK$607/mo
Today · 4.125%
HK$20,420
baseline
▲ 0.50% · 4.625%
HK$21,662
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,840/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,376
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,950
−HK$581/mo
Today · 4.125%
HK$22,531
baseline
▲ 0.50% · 4.625%
HK$23,719
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,062/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,645 · 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).