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$10,659
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,991
−HK$336/mo
Today · 4.125%
HK$11,327
baseline
▲ 0.50% · 4.625%
HK$12,017
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,654/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,858
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,176
−HK$323/mo
Today · 4.125%
HK$12,499
baseline
▲ 0.50% · 4.625%
HK$13,158
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,998/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,791
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,189
−HK$404/mo
Today · 4.125%
HK$13,593
baseline
▲ 0.50% · 4.625%
HK$14,420
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,186/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,230
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,611
−HK$387/mo
Today · 4.125%
HK$14,998
baseline
▲ 0.50% · 4.625%
HK$15,789
+HK$791/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,996/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,923
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,387
−HK$471/mo
Today · 4.125%
HK$15,858
baseline
▲ 0.50% · 4.625%
HK$16,823
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,716/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,601
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,047
−HK$451/mo
Today · 4.125%
HK$17,498
baseline
▲ 0.50% · 4.625%
HK$18,421
+HK$923/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,996/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,186
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,783
−HK$606/mo
Today · 4.125%
HK$20,389
baseline
▲ 0.50% · 4.625%
HK$21,630
+HK$1,241/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,778/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,345
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,917
−HK$581/mo
Today · 4.125%
HK$22,498
baseline
▲ 0.50% · 4.625%
HK$23,684
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,996/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,950 · 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).