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$10,673
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,005
−HK$337/mo
Today · 4.125%
HK$11,342
baseline
▲ 0.50% · 4.625%
HK$12,032
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,684/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,873
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,192
−HK$323/mo
Today · 4.125%
HK$12,515
baseline
▲ 0.50% · 4.625%
HK$13,174
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,030/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$85,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,807
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,205
−HK$405/mo
Today · 4.125%
HK$13,610
baseline
▲ 0.50% · 4.625%
HK$14,438
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,220/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,248
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,630
−HK$387/mo
Today · 4.125%
HK$15,017
baseline
▲ 0.50% · 4.625%
HK$15,809
+HK$792/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,034/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,942
−HK$937/mo
▼ 0.25% · 3.875%
HK$15,406
−HK$473/mo
Today · 4.125%
HK$15,879
baseline
▲ 0.50% · 4.625%
HK$16,845
+HK$966/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$31,758/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,622
−HK$898/mo
▼ 0.25% · 3.875%
HK$17,068
−HK$452/mo
Today · 4.125%
HK$17,520
baseline
▲ 0.50% · 4.625%
HK$18,444
+HK$924/mo
Deposit HK$1.40M · loan HK$3.28M · min. income ≈ HK$35,040/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,211
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,808
−HK$607/mo
Today · 4.125%
HK$20,415
baseline
▲ 0.50% · 4.625%
HK$21,657
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,830/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,372
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,945
−HK$581/mo
Today · 4.125%
HK$22,526
baseline
▲ 0.50% · 4.625%
HK$23,714
+HK$1,188/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,052/mo (50% DSR)
Upfront cash ≈ HK$554K (deposit + AVD stamp duty HK$85,542 · 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).