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$10,688
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,020
−HK$338/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,716/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,890
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,209
−HK$323/mo
Today · 4.125%
HK$12,532
baseline
▲ 0.50% · 4.625%
HK$13,193
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,064/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,825
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,224
−HK$405/mo
Today · 4.125%
HK$13,629
baseline
▲ 0.50% · 4.625%
HK$14,459
+HK$830/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,258/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,268
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,650
−HK$389/mo
Today · 4.125%
HK$15,039
baseline
▲ 0.50% · 4.625%
HK$15,831
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,078/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,963
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,428
−HK$473/mo
Today · 4.125%
HK$15,901
baseline
▲ 0.50% · 4.625%
HK$16,868
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,802/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,646
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,092
−HK$453/mo
Today · 4.125%
HK$17,545
baseline
▲ 0.50% · 4.625%
HK$18,470
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,090/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,238
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,836
−HK$608/mo
Today · 4.125%
HK$20,444
baseline
▲ 0.50% · 4.625%
HK$21,688
+HK$1,244/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,888/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,402
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,976
−HK$582/mo
Today · 4.125%
HK$22,558
baseline
▲ 0.50% · 4.625%
HK$23,747
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,116/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,200 · 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).