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$10,676
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,008
−HK$337/mo
Today · 4.125%
HK$11,345
baseline
▲ 0.50% · 4.625%
HK$12,036
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,690/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,877
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,195
−HK$323/mo
Today · 4.125%
HK$12,518
baseline
▲ 0.50% · 4.625%
HK$13,178
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,036/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,811
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,209
−HK$405/mo
Today · 4.125%
HK$13,614
baseline
▲ 0.50% · 4.625%
HK$14,443
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,228/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,252
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,634
−HK$388/mo
Today · 4.125%
HK$15,022
baseline
▲ 0.50% · 4.625%
HK$15,814
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,044/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,946
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,411
−HK$472/mo
Today · 4.125%
HK$15,883
baseline
▲ 0.50% · 4.625%
HK$16,850
+HK$967/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,766/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,627
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,073
−HK$453/mo
Today · 4.125%
HK$17,526
baseline
▲ 0.50% · 4.625%
HK$18,450
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,052/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,216
−HK$1,206/mo
▼ 0.25% · 3.875%
HK$19,814
−HK$608/mo
Today · 4.125%
HK$20,422
baseline
▲ 0.50% · 4.625%
HK$21,664
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,844/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,686 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,378
−HK$1,155/mo
▼ 0.25% · 3.875%
HK$21,952
−HK$581/mo
Today · 4.125%
HK$22,533
baseline
▲ 0.50% · 4.625%
HK$23,721
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,066/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,686 · 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).