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$10,686
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,018
−HK$338/mo
Today · 4.125%
HK$11,356
baseline
▲ 0.50% · 4.625%
HK$12,047
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,712/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,888
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,206
−HK$324/mo
Today · 4.125%
HK$12,530
baseline
▲ 0.50% · 4.625%
HK$13,190
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,060/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,823
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,222
−HK$405/mo
Today · 4.125%
HK$13,627
baseline
▲ 0.50% · 4.625%
HK$14,456
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,254/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,265
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,648
−HK$388/mo
Today · 4.125%
HK$15,036
baseline
▲ 0.50% · 4.625%
HK$15,828
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,072/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,960
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,425
−HK$473/mo
Today · 4.125%
HK$15,898
baseline
▲ 0.50% · 4.625%
HK$16,865
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,796/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,643
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,089
−HK$453/mo
Today · 4.125%
HK$17,542
baseline
▲ 0.50% · 4.625%
HK$18,467
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,084/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,234
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,832
−HK$608/mo
Today · 4.125%
HK$20,440
baseline
▲ 0.50% · 4.625%
HK$21,684
+HK$1,244/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,880/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,116 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,398
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,972
−HK$582/mo
Today · 4.125%
HK$22,554
baseline
▲ 0.50% · 4.625%
HK$23,743
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,108/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,116 · 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).