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$10,709
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,043
−HK$338/mo
Today · 4.125%
HK$11,381
baseline
▲ 0.50% · 4.625%
HK$12,074
+HK$693/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,762/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,914
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,234
−HK$324/mo
Today · 4.125%
HK$12,558
baseline
▲ 0.50% · 4.625%
HK$13,220
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,116/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$87,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,851
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,251
−HK$406/mo
Today · 4.125%
HK$13,657
baseline
▲ 0.50% · 4.625%
HK$14,488
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,314/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,297
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,680
−HK$389/mo
Today · 4.125%
HK$15,069
baseline
▲ 0.50% · 4.625%
HK$15,864
+HK$795/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,138/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$87,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,993
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,460
−HK$473/mo
Today · 4.125%
HK$15,933
baseline
▲ 0.50% · 4.625%
HK$16,903
+HK$970/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,866/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,680
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,127
−HK$454/mo
Today · 4.125%
HK$17,581
baseline
▲ 0.50% · 4.625%
HK$18,508
+HK$927/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,162/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$87,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,277
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,877
−HK$609/mo
Today · 4.125%
HK$20,486
baseline
▲ 0.50% · 4.625%
HK$21,732
+HK$1,246/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$40,972/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,159 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,445
−HK$1,159/mo
▼ 0.25% · 3.875%
HK$22,021
−HK$583/mo
Today · 4.125%
HK$22,604
baseline
▲ 0.50% · 4.625%
HK$23,796
+HK$1,192/mo
Deposit HK$470K · loan HK$4.23M · min. income ≈ HK$45,208/mo (50% DSR)
Upfront cash ≈ HK$557K (deposit + AVD stamp duty HK$87,159 · 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).