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$10,718
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,051
−HK$339/mo
Today · 4.125%
HK$11,390
baseline
▲ 0.50% · 4.625%
HK$12,083
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,780/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,924
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,243
−HK$325/mo
Today · 4.125%
HK$12,568
baseline
▲ 0.50% · 4.625%
HK$13,230
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,136/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,861
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,262
−HK$406/mo
Today · 4.125%
HK$13,668
baseline
▲ 0.50% · 4.625%
HK$14,500
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,336/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,308
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,692
−HK$389/mo
Today · 4.125%
HK$15,081
baseline
▲ 0.50% · 4.625%
HK$15,876
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,162/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,005
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,472
−HK$474/mo
Today · 4.125%
HK$15,946
baseline
▲ 0.50% · 4.625%
HK$16,916
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,892/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,693
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,141
−HK$454/mo
Today · 4.125%
HK$17,595
baseline
▲ 0.50% · 4.625%
HK$18,522
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,190/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,292
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,892
−HK$610/mo
Today · 4.125%
HK$20,502
baseline
▲ 0.50% · 4.625%
HK$21,749
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,004/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,462
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,038
−HK$584/mo
Today · 4.125%
HK$22,622
baseline
▲ 0.50% · 4.625%
HK$23,814
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,244/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,529 · 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).