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$10,691
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,024
−HK$338/mo
Today · 4.125%
HK$11,362
baseline
▲ 0.50% · 4.625%
HK$12,053
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,724/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,894
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,213
−HK$324/mo
Today · 4.125%
HK$12,537
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,074/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,830
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,229
−HK$405/mo
Today · 4.125%
HK$13,634
baseline
▲ 0.50% · 4.625%
HK$14,464
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,268/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,273
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,656
−HK$388/mo
Today · 4.125%
HK$15,044
baseline
▲ 0.50% · 4.625%
HK$15,837
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,088/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,968
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,434
−HK$473/mo
Today · 4.125%
HK$15,907
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,814/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,652
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,098
−HK$453/mo
Today · 4.125%
HK$17,551
baseline
▲ 0.50% · 4.625%
HK$18,476
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,102/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,244
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,843
−HK$608/mo
Today · 4.125%
HK$20,451
baseline
▲ 0.50% · 4.625%
HK$21,696
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,902/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,368 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,409
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,983
−HK$583/mo
Today · 4.125%
HK$22,566
baseline
▲ 0.50% · 4.625%
HK$23,755
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,132/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,368 · 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).