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$10,721
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,055
−HK$338/mo
Today · 4.125%
HK$11,393
baseline
▲ 0.50% · 4.625%
HK$12,087
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,786/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,927
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,247
−HK$325/mo
Today · 4.125%
HK$12,572
baseline
▲ 0.50% · 4.625%
HK$13,234
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,144/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,865
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,266
−HK$406/mo
Today · 4.125%
HK$13,672
baseline
▲ 0.50% · 4.625%
HK$14,504
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,344/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,313
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,696
−HK$390/mo
Today · 4.125%
HK$15,086
baseline
▲ 0.50% · 4.625%
HK$15,881
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,172/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,010
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,476
−HK$475/mo
Today · 4.125%
HK$15,951
baseline
▲ 0.50% · 4.625%
HK$16,921
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,902/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,698
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,146
−HK$454/mo
Today · 4.125%
HK$17,600
baseline
▲ 0.50% · 4.625%
HK$18,528
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,200/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,298
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,898
−HK$610/mo
Today · 4.125%
HK$20,508
baseline
▲ 0.50% · 4.625%
HK$21,756
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,016/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,469
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,045
−HK$584/mo
Today · 4.125%
HK$22,629
baseline
▲ 0.50% · 4.625%
HK$23,822
+HK$1,193/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,258/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,672 · 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).