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$10,674
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,006
−HK$337/mo
Today · 4.125%
HK$11,343
baseline
▲ 0.50% · 4.625%
HK$12,033
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,686/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,874
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,193
−HK$323/mo
Today · 4.125%
HK$12,516
baseline
▲ 0.50% · 4.625%
HK$13,176
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,032/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,808
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,207
−HK$405/mo
Today · 4.125%
HK$13,612
baseline
▲ 0.50% · 4.625%
HK$14,440
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,224/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,249
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,631
−HK$388/mo
Today · 4.125%
HK$15,019
baseline
▲ 0.50% · 4.625%
HK$15,811
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,038/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,943
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,408
−HK$472/mo
Today · 4.125%
HK$15,880
baseline
▲ 0.50% · 4.625%
HK$16,846
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,760/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,624
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,070
−HK$452/mo
Today · 4.125%
HK$17,522
baseline
▲ 0.50% · 4.625%
HK$18,446
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,044/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,212
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,810
−HK$607/mo
Today · 4.125%
HK$20,417
baseline
▲ 0.50% · 4.625%
HK$21,660
+HK$1,243/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,834/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,374
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,947
−HK$581/mo
Today · 4.125%
HK$22,528
baseline
▲ 0.50% · 4.625%
HK$23,716
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,056/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,588 · 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).