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$10,729
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,063
−HK$339/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,096
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,804/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,936
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,256
−HK$325/mo
Today · 4.125%
HK$12,581
baseline
▲ 0.50% · 4.625%
HK$13,244
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,162/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,875
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,275
−HK$407/mo
Today · 4.125%
HK$13,682
baseline
▲ 0.50% · 4.625%
HK$14,515
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,364/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,323
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,707
−HK$390/mo
Today · 4.125%
HK$15,097
baseline
▲ 0.50% · 4.625%
HK$15,893
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,194/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,021
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,488
−HK$475/mo
Today · 4.125%
HK$15,963
baseline
▲ 0.50% · 4.625%
HK$16,934
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,926/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,710
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$454/mo
Today · 4.125%
HK$17,613
baseline
▲ 0.50% · 4.625%
HK$18,542
+HK$929/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,226/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,312
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,913
−HK$610/mo
Today · 4.125%
HK$20,523
baseline
▲ 0.50% · 4.625%
HK$21,772
+HK$1,249/mo
Deposit HK$471K · loan HK$4.23M · min. income ≈ HK$41,046/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,022 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,485
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,061
−HK$585/mo
Today · 4.125%
HK$22,646
baseline
▲ 0.50% · 4.625%
HK$23,839
+HK$1,193/mo
Deposit HK$471K · loan HK$4.23M · min. income ≈ HK$45,292/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,022 · 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).