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$671/mo
▼ 0.25% · 3.875%
HK$11,021
−HK$338/mo
Today · 4.125%
HK$11,359
baseline
▲ 0.50% · 4.625%
HK$12,050
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,718/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,891
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,210
−HK$323/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,194
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,066/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,826
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,225
−HK$405/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,460
+HK$830/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,260/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,269
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$389/mo
Today · 4.125%
HK$15,040
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,080/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,964
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$473/mo
Today · 4.125%
HK$15,902
baseline
▲ 0.50% · 4.625%
HK$16,870
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,804/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,647
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$453/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,239
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$608/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,690
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$583/mo
Today · 4.125%
HK$22,560
baseline
▲ 0.50% · 4.625%
HK$23,749
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,120/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,235 · 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).