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$10,684
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,017
−HK$337/mo
Today · 4.125%
HK$11,354
baseline
▲ 0.50% · 4.625%
HK$12,045
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,708/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,886
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,205
−HK$323/mo
Today · 4.125%
HK$12,528
baseline
▲ 0.50% · 4.625%
HK$13,189
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,056/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,821
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,220
−HK$405/mo
Today · 4.125%
HK$13,625
baseline
▲ 0.50% · 4.625%
HK$14,454
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,250/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,263
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,646
−HK$388/mo
Today · 4.125%
HK$15,034
baseline
▲ 0.50% · 4.625%
HK$15,826
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,068/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,958
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,423
−HK$473/mo
Today · 4.125%
HK$15,896
baseline
▲ 0.50% · 4.625%
HK$16,863
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,792/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,641
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,087
−HK$453/mo
Today · 4.125%
HK$17,540
baseline
▲ 0.50% · 4.625%
HK$18,464
+HK$924/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,080/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,232
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,830
−HK$608/mo
Today · 4.125%
HK$20,438
baseline
▲ 0.50% · 4.625%
HK$21,681
+HK$1,243/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,876/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,395
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,969
−HK$582/mo
Today · 4.125%
HK$22,551
baseline
▲ 0.50% · 4.625%
HK$23,740
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,102/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,054 · 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).