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$10,702
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,035
−HK$339/mo
Today · 4.125%
HK$11,374
baseline
▲ 0.50% · 4.625%
HK$12,066
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,748/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,906
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,226
−HK$324/mo
Today · 4.125%
HK$12,550
baseline
▲ 0.50% · 4.625%
HK$13,211
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,100/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,843
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,242
−HK$406/mo
Today · 4.125%
HK$13,648
baseline
▲ 0.50% · 4.625%
HK$14,479
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,296/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,288
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,671
−HK$388/mo
Today · 4.125%
HK$15,059
baseline
▲ 0.50% · 4.625%
HK$15,853
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,118/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,983
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,449
−HK$474/mo
Today · 4.125%
HK$15,923
baseline
▲ 0.50% · 4.625%
HK$16,892
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,846/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,669
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,116
−HK$453/mo
Today · 4.125%
HK$17,569
baseline
▲ 0.50% · 4.625%
HK$18,495
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,138/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,264
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,863
−HK$609/mo
Today · 4.125%
HK$20,472
baseline
▲ 0.50% · 4.625%
HK$21,718
+HK$1,246/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,944/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,850 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,431
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,006
−HK$583/mo
Today · 4.125%
HK$22,589
baseline
▲ 0.50% · 4.625%
HK$23,780
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,178/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,850 · 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).