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$10,708
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,041
−HK$339/mo
Today · 4.125%
HK$11,380
baseline
▲ 0.50% · 4.625%
HK$12,072
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,760/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,913
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,232
−HK$324/mo
Today · 4.125%
HK$12,556
baseline
▲ 0.50% · 4.625%
HK$13,218
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,112/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,850
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,250
−HK$406/mo
Today · 4.125%
HK$13,656
baseline
▲ 0.50% · 4.625%
HK$14,487
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,312/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,295
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,679
−HK$389/mo
Today · 4.125%
HK$15,068
baseline
▲ 0.50% · 4.625%
HK$15,862
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,136/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,992
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,458
−HK$474/mo
Today · 4.125%
HK$15,932
baseline
▲ 0.50% · 4.625%
HK$16,901
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,864/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,678
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,125
−HK$454/mo
Today · 4.125%
HK$17,579
baseline
▲ 0.50% · 4.625%
HK$18,506
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,158/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,275
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,874
−HK$610/mo
Today · 4.125%
HK$20,484
baseline
▲ 0.50% · 4.625%
HK$21,730
+HK$1,246/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,968/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,443
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,018
−HK$584/mo
Today · 4.125%
HK$22,602
baseline
▲ 0.50% · 4.625%
HK$23,793
+HK$1,191/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,204/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,107 · 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).