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$10,683
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,015
−HK$338/mo
Today · 4.125%
HK$11,353
baseline
▲ 0.50% · 4.625%
HK$12,043
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,706/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,884
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,203
−HK$324/mo
Today · 4.125%
HK$12,527
baseline
▲ 0.50% · 4.625%
HK$13,187
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,054/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,819
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,218
−HK$405/mo
Today · 4.125%
HK$13,623
baseline
▲ 0.50% · 4.625%
HK$14,452
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,246/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,261
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,644
−HK$388/mo
Today · 4.125%
HK$15,032
baseline
▲ 0.50% · 4.625%
HK$15,824
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,064/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,956
−HK$938/mo
▼ 0.25% · 3.875%
HK$15,421
−HK$473/mo
Today · 4.125%
HK$15,894
baseline
▲ 0.50% · 4.625%
HK$16,861
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,788/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,638
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,084
−HK$453/mo
Today · 4.125%
HK$17,537
baseline
▲ 0.50% · 4.625%
HK$18,462
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,074/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,229
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,827
−HK$608/mo
Today · 4.125%
HK$20,435
baseline
▲ 0.50% · 4.625%
HK$21,678
+HK$1,243/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$40,870/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,990 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,392
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,966
−HK$582/mo
Today · 4.125%
HK$22,548
baseline
▲ 0.50% · 4.625%
HK$23,736
+HK$1,188/mo
Deposit HK$468K · loan HK$4.22M · min. income ≈ HK$45,096/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,990 · 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).