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$10,708
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$339/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$12,072
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,760/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,913
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$324/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,112/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,850
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,249
−HK$406/mo
Today · 4.125%
HK$13,655
baseline
▲ 0.50% · 4.625%
HK$14,486
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,310/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,678
−HK$389/mo
Today · 4.125%
HK$15,067
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,134/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,991
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,458
−HK$473/mo
Today · 4.125%
HK$15,931
baseline
▲ 0.50% · 4.625%
HK$16,901
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,862/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,678
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$454/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,505
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,158/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,274
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$609/mo
Today · 4.125%
HK$20,483
baseline
▲ 0.50% · 4.625%
HK$21,729
+HK$1,246/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,966/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,098 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,443
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,018
−HK$583/mo
Today · 4.125%
HK$22,601
baseline
▲ 0.50% · 4.625%
HK$23,792
+HK$1,191/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,202/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,098 · 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).