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$10,667
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,998
−HK$337/mo
Today · 4.125%
HK$11,335
baseline
▲ 0.50% · 4.625%
HK$12,025
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,670/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,866
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,185
−HK$323/mo
Today · 4.125%
HK$12,508
baseline
▲ 0.50% · 4.625%
HK$13,167
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,016/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,800
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,198
−HK$405/mo
Today · 4.125%
HK$13,603
baseline
▲ 0.50% · 4.625%
HK$14,430
+HK$827/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,206/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,240
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,622
−HK$387/mo
Today · 4.125%
HK$15,009
baseline
▲ 0.50% · 4.625%
HK$15,800
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,018/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,933
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,398
−HK$472/mo
Today · 4.125%
HK$15,870
baseline
▲ 0.50% · 4.625%
HK$16,835
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,740/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,613
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,059
−HK$452/mo
Today · 4.125%
HK$17,511
baseline
▲ 0.50% · 4.625%
HK$18,434
+HK$923/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,022/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,200
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,797
−HK$607/mo
Today · 4.125%
HK$20,404
baseline
▲ 0.50% · 4.625%
HK$21,645
+HK$1,241/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,808/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,281 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,360
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,933
−HK$581/mo
Today · 4.125%
HK$22,514
baseline
▲ 0.50% · 4.625%
HK$23,700
+HK$1,186/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,028/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,281 · 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).