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$10,679
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,011
−HK$337/mo
Today · 4.125%
HK$11,348
baseline
▲ 0.50% · 4.625%
HK$12,039
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,696/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,880
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,199
−HK$323/mo
Today · 4.125%
HK$12,522
baseline
▲ 0.50% · 4.625%
HK$13,182
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,044/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,815
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,213
−HK$405/mo
Today · 4.125%
HK$13,618
baseline
▲ 0.50% · 4.625%
HK$14,447
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,236/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,256
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,638
−HK$388/mo
Today · 4.125%
HK$15,026
baseline
▲ 0.50% · 4.625%
HK$15,818
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,052/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,950
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,415
−HK$473/mo
Today · 4.125%
HK$15,888
baseline
▲ 0.50% · 4.625%
HK$16,855
+HK$967/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,776/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,632
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,078
−HK$453/mo
Today · 4.125%
HK$17,531
baseline
▲ 0.50% · 4.625%
HK$18,455
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,062/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,222
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,820
−HK$607/mo
Today · 4.125%
HK$20,427
baseline
▲ 0.50% · 4.625%
HK$21,670
+HK$1,243/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,854/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,384
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,958
−HK$581/mo
Today · 4.125%
HK$22,539
baseline
▲ 0.50% · 4.625%
HK$23,728
+HK$1,189/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,078/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,817 · 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).