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$10,716
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,049
−HK$339/mo
Today · 4.125%
HK$11,388
baseline
▲ 0.50% · 4.625%
HK$12,081
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,776/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,922
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,241
−HK$325/mo
Today · 4.125%
HK$12,566
baseline
▲ 0.50% · 4.625%
HK$13,228
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,132/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,859
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,259
−HK$407/mo
Today · 4.125%
HK$13,666
baseline
▲ 0.50% · 4.625%
HK$14,497
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,332/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,306
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,690
−HK$389/mo
Today · 4.125%
HK$15,079
baseline
▲ 0.50% · 4.625%
HK$15,874
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,158/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,003
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,469
−HK$474/mo
Today · 4.125%
HK$15,943
baseline
▲ 0.50% · 4.625%
HK$16,914
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,886/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,690
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,138
−HK$454/mo
Today · 4.125%
HK$17,592
baseline
▲ 0.50% · 4.625%
HK$18,519
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,184/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,289
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,889
−HK$610/mo
Today · 4.125%
HK$20,499
baseline
▲ 0.50% · 4.625%
HK$21,746
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,998/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,454 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,459
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,034
−HK$584/mo
Today · 4.125%
HK$22,618
baseline
▲ 0.50% · 4.625%
HK$23,810
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,236/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,454 · 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).