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$10,734
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,068
−HK$339/mo
Today · 4.125%
HK$11,407
baseline
▲ 0.50% · 4.625%
HK$12,101
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,814/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,941
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,261
−HK$325/mo
Today · 4.125%
HK$12,586
baseline
▲ 0.50% · 4.625%
HK$13,250
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,172/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,881
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,281
−HK$407/mo
Today · 4.125%
HK$13,688
baseline
▲ 0.50% · 4.625%
HK$14,521
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,376/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,329
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,714
−HK$390/mo
Today · 4.125%
HK$15,104
baseline
▲ 0.50% · 4.625%
HK$15,900
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,208/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,027
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,495
−HK$475/mo
Today · 4.125%
HK$15,970
baseline
▲ 0.50% · 4.625%
HK$16,941
+HK$971/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,940/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,718
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,166
−HK$455/mo
Today · 4.125%
HK$17,621
baseline
▲ 0.50% · 4.625%
HK$18,550
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,242/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,321
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,922
−HK$610/mo
Today · 4.125%
HK$20,532
baseline
▲ 0.50% · 4.625%
HK$21,782
+HK$1,250/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,064/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,228 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,494
−HK$1,162/mo
▼ 0.25% · 3.875%
HK$22,071
−HK$585/mo
Today · 4.125%
HK$22,656
baseline
▲ 0.50% · 4.625%
HK$23,850
+HK$1,194/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,312/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,228 · 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).