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$10,715
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,048
−HK$338/mo
Today · 4.125%
HK$11,386
baseline
▲ 0.50% · 4.625%
HK$12,079
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,772/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,920
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,240
−HK$324/mo
Today · 4.125%
HK$12,564
baseline
▲ 0.50% · 4.625%
HK$13,226
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,128/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,857
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$407/mo
Today · 4.125%
HK$13,664
baseline
▲ 0.50% · 4.625%
HK$14,495
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,328/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,304
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$390/mo
Today · 4.125%
HK$15,077
baseline
▲ 0.50% · 4.625%
HK$15,871
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,154/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,000
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,467
−HK$474/mo
Today · 4.125%
HK$15,941
baseline
▲ 0.50% · 4.625%
HK$16,911
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,882/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,688
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,135
−HK$454/mo
Today · 4.125%
HK$17,589
baseline
▲ 0.50% · 4.625%
HK$18,517
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,178/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,286
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,886
−HK$610/mo
Today · 4.125%
HK$20,496
baseline
▲ 0.50% · 4.625%
HK$21,743
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,992/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,456
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,031
−HK$584/mo
Today · 4.125%
HK$22,615
baseline
▲ 0.50% · 4.625%
HK$23,807
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,230/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,384 · 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).