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$10,660
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,991
−HK$337/mo
Today · 4.125%
HK$11,328
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,656/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,859
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,177
−HK$323/mo
Today · 4.125%
HK$12,500
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$658/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,000/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,792
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,190
−HK$404/mo
Today · 4.125%
HK$13,594
baseline
▲ 0.50% · 4.625%
HK$14,421
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,188/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,231
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,612
−HK$387/mo
Today · 4.125%
HK$14,999
baseline
▲ 0.50% · 4.625%
HK$15,790
+HK$791/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,998/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,924
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,388
−HK$471/mo
Today · 4.125%
HK$15,859
baseline
▲ 0.50% · 4.625%
HK$16,824
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,718/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,602
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,048
−HK$451/mo
Today · 4.125%
HK$17,499
baseline
▲ 0.50% · 4.625%
HK$18,422
+HK$923/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,998/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,188
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,784
−HK$607/mo
Today · 4.125%
HK$20,391
baseline
▲ 0.50% · 4.625%
HK$21,631
+HK$1,240/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,782/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,346
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,918
−HK$581/mo
Today · 4.125%
HK$22,499
baseline
▲ 0.50% · 4.625%
HK$23,685
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,998/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,980 · 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).