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$10,733
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,067
−HK$339/mo
Today · 4.125%
HK$11,406
baseline
▲ 0.50% · 4.625%
HK$12,100
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,812/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,940
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,260
−HK$325/mo
Today · 4.125%
HK$12,585
baseline
▲ 0.50% · 4.625%
HK$13,249
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,170/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,879
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,280
−HK$407/mo
Today · 4.125%
HK$13,687
baseline
▲ 0.50% · 4.625%
HK$14,520
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,374/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,328
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,712
−HK$390/mo
Today · 4.125%
HK$15,102
baseline
▲ 0.50% · 4.625%
HK$15,898
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,204/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,026
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,493
−HK$475/mo
Today · 4.125%
HK$15,968
baseline
▲ 0.50% · 4.625%
HK$16,940
+HK$972/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,936/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,716
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,165
−HK$454/mo
Today · 4.125%
HK$17,619
baseline
▲ 0.50% · 4.625%
HK$18,548
+HK$929/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,238/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,319
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,920
−HK$611/mo
Today · 4.125%
HK$20,531
baseline
▲ 0.50% · 4.625%
HK$21,780
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,062/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,185 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,492
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,069
−HK$584/mo
Today · 4.125%
HK$22,653
baseline
▲ 0.50% · 4.625%
HK$23,848
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,306/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,185 · 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).