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$10,712
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,046
−HK$338/mo
Today · 4.125%
HK$11,384
baseline
▲ 0.50% · 4.625%
HK$12,077
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,768/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,917
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,237
−HK$324/mo
Today · 4.125%
HK$12,561
baseline
▲ 0.50% · 4.625%
HK$13,223
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,122/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,855
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,255
−HK$406/mo
Today · 4.125%
HK$13,661
baseline
▲ 0.50% · 4.625%
HK$14,492
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,322/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,301
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,684
−HK$389/mo
Today · 4.125%
HK$15,073
baseline
▲ 0.50% · 4.625%
HK$15,868
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,146/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,997
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,464
−HK$474/mo
Today · 4.125%
HK$15,938
baseline
▲ 0.50% · 4.625%
HK$16,907
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,876/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,684
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,132
−HK$454/mo
Today · 4.125%
HK$17,586
baseline
▲ 0.50% · 4.625%
HK$18,513
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,172/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,282
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,882
−HK$609/mo
Today · 4.125%
HK$20,491
baseline
▲ 0.50% · 4.625%
HK$21,738
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,982/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,285 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,451
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,026
−HK$584/mo
Today · 4.125%
HK$22,610
baseline
▲ 0.50% · 4.625%
HK$23,802
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,220/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,285 · 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).