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$10,739
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,073
−HK$339/mo
Today · 4.125%
HK$11,412
baseline
▲ 0.50% · 4.625%
HK$12,107
+HK$695/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,824/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,947
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,267
−HK$325/mo
Today · 4.125%
HK$12,592
baseline
▲ 0.50% · 4.625%
HK$13,256
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,184/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,887
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,287
−HK$408/mo
Today · 4.125%
HK$13,695
baseline
▲ 0.50% · 4.625%
HK$14,528
+HK$833/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,390/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,336
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,721
−HK$390/mo
Today · 4.125%
HK$15,111
baseline
▲ 0.50% · 4.625%
HK$15,907
+HK$796/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,222/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,034
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,502
−HK$475/mo
Today · 4.125%
HK$15,977
baseline
▲ 0.50% · 4.625%
HK$16,949
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,954/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,726
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,174
−HK$455/mo
Today · 4.125%
HK$17,629
baseline
▲ 0.50% · 4.625%
HK$18,558
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,258/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,330
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,931
−HK$611/mo
Today · 4.125%
HK$20,542
baseline
▲ 0.50% · 4.625%
HK$21,792
+HK$1,250/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,084/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,447 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,504
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,081
−HK$585/mo
Today · 4.125%
HK$22,666
baseline
▲ 0.50% · 4.625%
HK$23,861
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,332/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,447 · 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).