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$10,670
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,002
−HK$337/mo
Today · 4.125%
HK$11,339
baseline
▲ 0.50% · 4.625%
HK$12,029
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,678/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,870
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,189
−HK$323/mo
Today · 4.125%
HK$12,512
baseline
▲ 0.50% · 4.625%
HK$13,171
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,024/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,804
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,202
−HK$405/mo
Today · 4.125%
HK$13,607
baseline
▲ 0.50% · 4.625%
HK$14,435
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,214/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,245
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,627
−HK$387/mo
Today · 4.125%
HK$15,014
baseline
▲ 0.50% · 4.625%
HK$15,806
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,028/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,938
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,403
−HK$472/mo
Today · 4.125%
HK$15,875
baseline
▲ 0.50% · 4.625%
HK$16,841
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,750/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,619
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,064
−HK$452/mo
Today · 4.125%
HK$17,516
baseline
▲ 0.50% · 4.625%
HK$18,440
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,032/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,206
−HK$1,205/mo
▼ 0.25% · 3.875%
HK$19,804
−HK$607/mo
Today · 4.125%
HK$20,411
baseline
▲ 0.50% · 4.625%
HK$21,653
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,822/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,367
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,940
−HK$581/mo
Today · 4.125%
HK$22,521
baseline
▲ 0.50% · 4.625%
HK$23,708
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,042/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,436 · 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).