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$10,726
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,060
−HK$339/mo
Today · 4.125%
HK$11,399
baseline
▲ 0.50% · 4.625%
HK$12,092
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,798/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,933
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,253
−HK$324/mo
Today · 4.125%
HK$12,577
baseline
▲ 0.50% · 4.625%
HK$13,240
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,154/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,871
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,272
−HK$406/mo
Today · 4.125%
HK$13,678
baseline
▲ 0.50% · 4.625%
HK$14,511
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,356/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,319
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,703
−HK$390/mo
Today · 4.125%
HK$15,093
baseline
▲ 0.50% · 4.625%
HK$15,888
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,186/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,017
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,484
−HK$474/mo
Today · 4.125%
HK$15,958
baseline
▲ 0.50% · 4.625%
HK$16,929
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,916/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,706
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,154
−HK$454/mo
Today · 4.125%
HK$17,608
baseline
▲ 0.50% · 4.625%
HK$18,536
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,216/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,307
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,907
−HK$611/mo
Today · 4.125%
HK$20,518
baseline
▲ 0.50% · 4.625%
HK$21,766
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,036/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,889 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,479
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,055
−HK$584/mo
Today · 4.125%
HK$22,639
baseline
▲ 0.50% · 4.625%
HK$23,833
+HK$1,194/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,278/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,889 · 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).