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$10,714
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,047
−HK$339/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$87,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,919
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,239
−HK$324/mo
Today · 4.125%
HK$12,563
baseline
▲ 0.50% · 4.625%
HK$13,225
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,126/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,857
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,257
−HK$406/mo
Today · 4.125%
HK$13,663
baseline
▲ 0.50% · 4.625%
HK$14,494
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,326/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,303
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,687
−HK$389/mo
Today · 4.125%
HK$15,076
baseline
▲ 0.50% · 4.625%
HK$15,870
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,152/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,999
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,466
−HK$474/mo
Today · 4.125%
HK$15,940
baseline
▲ 0.50% · 4.625%
HK$16,910
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,880/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,687
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,134
−HK$454/mo
Today · 4.125%
HK$17,588
baseline
▲ 0.50% · 4.625%
HK$18,515
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,176/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,285
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,885
−HK$609/mo
Today · 4.125%
HK$20,494
baseline
▲ 0.50% · 4.625%
HK$21,741
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,988/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,454
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,030
−HK$584/mo
Today · 4.125%
HK$22,614
baseline
▲ 0.50% · 4.625%
HK$23,806
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,228/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,356 · 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).