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$10,721
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,054
−HK$339/mo
Today · 4.125%
HK$11,393
baseline
▲ 0.50% · 4.625%
HK$12,086
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,786/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,927
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,246
−HK$325/mo
Today · 4.125%
HK$12,571
baseline
▲ 0.50% · 4.625%
HK$13,233
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,142/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,865
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,265
−HK$406/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,342/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,312
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$389/mo
Today · 4.125%
HK$15,085
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,170/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,009
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$474/mo
Today · 4.125%
HK$15,950
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,900/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,697
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,145
−HK$454/mo
Today · 4.125%
HK$17,599
baseline
▲ 0.50% · 4.625%
HK$18,527
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,198/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,297
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,897
−HK$610/mo
Today · 4.125%
HK$20,507
baseline
▲ 0.50% · 4.625%
HK$21,755
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,014/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,648 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,468
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$585/mo
Today · 4.125%
HK$22,628
baseline
▲ 0.50% · 4.625%
HK$23,820
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,256/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,648 · 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).