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$10,664
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,995
−HK$337/mo
Today · 4.125%
HK$11,332
baseline
▲ 0.50% · 4.625%
HK$12,022
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,664/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,863
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,181
−HK$323/mo
Today · 4.125%
HK$12,504
baseline
▲ 0.50% · 4.625%
HK$13,163
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,008/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,796
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,194
−HK$405/mo
Today · 4.125%
HK$13,599
baseline
▲ 0.50% · 4.625%
HK$14,426
+HK$827/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,198/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,236
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,618
−HK$387/mo
Today · 4.125%
HK$15,005
baseline
▲ 0.50% · 4.625%
HK$15,796
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,010/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,929
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,393
−HK$472/mo
Today · 4.125%
HK$15,865
baseline
▲ 0.50% · 4.625%
HK$16,831
+HK$966/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,730/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,608
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,054
−HK$452/mo
Today · 4.125%
HK$17,506
baseline
▲ 0.50% · 4.625%
HK$18,428
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,012/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,194
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,791
−HK$607/mo
Today · 4.125%
HK$20,398
baseline
▲ 0.50% · 4.625%
HK$21,639
+HK$1,241/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,796/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,148 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,354
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,926
−HK$581/mo
Today · 4.125%
HK$22,507
baseline
▲ 0.50% · 4.625%
HK$23,694
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,014/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,148 · 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).