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$10,696
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,029
−HK$338/mo
Today · 4.125%
HK$11,367
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$691/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,734/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,899
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$324/mo
Today · 4.125%
HK$12,542
baseline
▲ 0.50% · 4.625%
HK$13,203
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,084/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,835
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$406/mo
Today · 4.125%
HK$13,640
baseline
▲ 0.50% · 4.625%
HK$14,470
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,280/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,279
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,662
−HK$388/mo
Today · 4.125%
HK$15,050
baseline
▲ 0.50% · 4.625%
HK$15,844
+HK$794/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,100/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,440
−HK$473/mo
Today · 4.125%
HK$15,913
baseline
▲ 0.50% · 4.625%
HK$16,882
+HK$969/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,826/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,659
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,106
−HK$453/mo
Today · 4.125%
HK$17,559
baseline
▲ 0.50% · 4.625%
HK$18,484
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,118/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,253
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,852
−HK$608/mo
Today · 4.125%
HK$20,460
baseline
▲ 0.50% · 4.625%
HK$21,705
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,920/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,418
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,993
−HK$583/mo
Today · 4.125%
HK$22,576
baseline
▲ 0.50% · 4.625%
HK$23,766
+HK$1,190/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,152/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,567 · 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).