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$10,658
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,990
−HK$336/mo
Today · 4.125%
HK$11,326
baseline
▲ 0.50% · 4.625%
HK$12,016
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,652/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,857
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,175
−HK$322/mo
Today · 4.125%
HK$12,497
baseline
▲ 0.50% · 4.625%
HK$13,156
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,994/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,790
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,187
−HK$405/mo
Today · 4.125%
HK$13,592
baseline
▲ 0.50% · 4.625%
HK$14,419
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,184/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,228
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,610
−HK$387/mo
Today · 4.125%
HK$14,997
baseline
▲ 0.50% · 4.625%
HK$15,788
+HK$791/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,994/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,921
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,385
−HK$472/mo
Today · 4.125%
HK$15,857
baseline
▲ 0.50% · 4.625%
HK$16,822
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,714/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,600
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,045
−HK$451/mo
Today · 4.125%
HK$17,496
baseline
▲ 0.50% · 4.625%
HK$18,419
+HK$923/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,992/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,184
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,781
−HK$606/mo
Today · 4.125%
HK$20,387
baseline
▲ 0.50% · 4.625%
HK$21,628
+HK$1,241/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,774/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,903 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,342
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,915
−HK$580/mo
Today · 4.125%
HK$22,495
baseline
▲ 0.50% · 4.625%
HK$23,681
+HK$1,186/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,990/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,903 · 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).