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$670/mo
▼ 0.25% · 3.875%
HK$11,023
−HK$338/mo
Today · 4.125%
HK$11,361
baseline
▲ 0.50% · 4.625%
HK$12,053
+HK$692/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,722/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,893
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,212
−HK$324/mo
Today · 4.125%
HK$12,536
baseline
▲ 0.50% · 4.625%
HK$13,197
+HK$661/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,072/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,829
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,228
−HK$405/mo
Today · 4.125%
HK$13,633
baseline
▲ 0.50% · 4.625%
HK$14,463
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,266/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,272
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,655
−HK$388/mo
Today · 4.125%
HK$15,043
baseline
▲ 0.50% · 4.625%
HK$15,836
+HK$793/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$30,086/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,967
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,433
−HK$473/mo
Today · 4.125%
HK$15,906
baseline
▲ 0.50% · 4.625%
HK$16,874
+HK$968/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,812/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,651
−HK$899/mo
▼ 0.25% · 3.875%
HK$17,097
−HK$453/mo
Today · 4.125%
HK$17,550
baseline
▲ 0.50% · 4.625%
HK$18,475
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,100/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,243
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,842
−HK$608/mo
Today · 4.125%
HK$20,450
baseline
▲ 0.50% · 4.625%
HK$21,695
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,900/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,343 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,408
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,982
−HK$583/mo
Today · 4.125%
HK$22,565
baseline
▲ 0.50% · 4.625%
HK$23,754
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,130/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,343 · 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).