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$10,711
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,044
−HK$339/mo
Today · 4.125%
HK$11,383
baseline
▲ 0.50% · 4.625%
HK$12,075
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,766/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,916
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,236
−HK$324/mo
Today · 4.125%
HK$12,560
baseline
▲ 0.50% · 4.625%
HK$13,222
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,120/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,853
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,253
−HK$406/mo
Today · 4.125%
HK$13,659
baseline
▲ 0.50% · 4.625%
HK$14,491
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,318/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,299
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,683
−HK$389/mo
Today · 4.125%
HK$15,072
baseline
▲ 0.50% · 4.625%
HK$15,866
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,144/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,996
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,462
−HK$474/mo
Today · 4.125%
HK$15,936
baseline
▲ 0.50% · 4.625%
HK$16,906
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,872/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,683
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,130
−HK$454/mo
Today · 4.125%
HK$17,584
baseline
▲ 0.50% · 4.625%
HK$18,511
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,168/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,280
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,880
−HK$609/mo
Today · 4.125%
HK$20,489
baseline
▲ 0.50% · 4.625%
HK$21,736
+HK$1,247/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,978/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,449
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,024
−HK$584/mo
Today · 4.125%
HK$22,608
baseline
▲ 0.50% · 4.625%
HK$23,799
+HK$1,191/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,216/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,236 · 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).