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$10,695
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,028
−HK$338/mo
Today · 4.125%
HK$11,366
baseline
▲ 0.50% · 4.625%
HK$12,058
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,732/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,899
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,218
−HK$323/mo
Today · 4.125%
HK$12,541
baseline
▲ 0.50% · 4.625%
HK$13,202
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,082/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,835
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,234
−HK$405/mo
Today · 4.125%
HK$13,639
baseline
▲ 0.50% · 4.625%
HK$14,469
+HK$830/mo
Deposit HK$1.88M · loan HK$2.81M · min. income ≈ HK$27,278/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,278
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,661
−HK$389/mo
Today · 4.125%
HK$15,050
baseline
▲ 0.50% · 4.625%
HK$15,843
+HK$793/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$86,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,974
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,439
−HK$474/mo
Today · 4.125%
HK$15,913
baseline
▲ 0.50% · 4.625%
HK$16,881
+HK$968/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$86,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,658
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,105
−HK$453/mo
Today · 4.125%
HK$17,558
baseline
▲ 0.50% · 4.625%
HK$18,483
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,116/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,252
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,851
−HK$608/mo
Today · 4.125%
HK$20,459
baseline
▲ 0.50% · 4.625%
HK$21,704
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,918/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,417
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$21,992
−HK$583/mo
Today · 4.125%
HK$22,575
baseline
▲ 0.50% · 4.625%
HK$23,764
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,150/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,545 · 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).