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$10,720
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,054
−HK$338/mo
Today · 4.125%
HK$11,392
baseline
▲ 0.50% · 4.625%
HK$12,086
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,784/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,926
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,246
−HK$324/mo
Today · 4.125%
HK$12,570
baseline
▲ 0.50% · 4.625%
HK$13,233
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,140/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,864
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,264
−HK$407/mo
Today · 4.125%
HK$13,671
baseline
▲ 0.50% · 4.625%
HK$14,503
+HK$832/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,342/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,311
−HK$773/mo
▼ 0.25% · 3.875%
HK$14,695
−HK$389/mo
Today · 4.125%
HK$15,084
baseline
▲ 0.50% · 4.625%
HK$15,880
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,168/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,008
−HK$941/mo
▼ 0.25% · 3.875%
HK$15,475
−HK$474/mo
Today · 4.125%
HK$15,949
baseline
▲ 0.50% · 4.625%
HK$16,920
+HK$971/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,898/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,696
−HK$902/mo
▼ 0.25% · 3.875%
HK$17,144
−HK$454/mo
Today · 4.125%
HK$17,598
baseline
▲ 0.50% · 4.625%
HK$18,526
+HK$928/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,196/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,296
−HK$1,210/mo
▼ 0.25% · 3.875%
HK$19,896
−HK$610/mo
Today · 4.125%
HK$20,506
baseline
▲ 0.50% · 4.625%
HK$21,754
+HK$1,248/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$41,012/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,628 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,467
−HK$1,160/mo
▼ 0.25% · 3.875%
HK$22,043
−HK$584/mo
Today · 4.125%
HK$22,627
baseline
▲ 0.50% · 4.625%
HK$23,819
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,254/mo (50% DSR)
Upfront cash ≈ HK$558K (deposit + AVD stamp duty HK$87,628 · 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).