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$10,701
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,034
−HK$338/mo
Today · 4.125%
HK$11,372
baseline
▲ 0.50% · 4.625%
HK$12,064
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,744/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,905
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,224
−HK$324/mo
Today · 4.125%
HK$12,548
baseline
▲ 0.50% · 4.625%
HK$13,210
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,096/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,842
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,241
−HK$406/mo
Today · 4.125%
HK$13,647
baseline
▲ 0.50% · 4.625%
HK$14,477
+HK$830/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,294/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,286
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,669
−HK$389/mo
Today · 4.125%
HK$15,058
baseline
▲ 0.50% · 4.625%
HK$15,852
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,116/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,982
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,448
−HK$473/mo
Today · 4.125%
HK$15,921
baseline
▲ 0.50% · 4.625%
HK$16,890
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,842/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,667
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,114
−HK$454/mo
Today · 4.125%
HK$17,568
baseline
▲ 0.50% · 4.625%
HK$18,494
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,136/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,262
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,862
−HK$608/mo
Today · 4.125%
HK$20,470
baseline
▲ 0.50% · 4.625%
HK$21,716
+HK$1,246/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,940/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,429
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,004
−HK$583/mo
Today · 4.125%
HK$22,587
baseline
▲ 0.50% · 4.625%
HK$23,778
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,174/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,805 · 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).