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$10,699
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,031
−HK$339/mo
Today · 4.125%
HK$11,370
baseline
▲ 0.50% · 4.625%
HK$12,061
+HK$691/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,740/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,902
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,221
−HK$324/mo
Today · 4.125%
HK$12,545
baseline
▲ 0.50% · 4.625%
HK$13,207
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,090/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,838
−HK$806/mo
▼ 0.25% · 3.875%
HK$13,238
−HK$406/mo
Today · 4.125%
HK$13,644
baseline
▲ 0.50% · 4.625%
HK$14,474
+HK$830/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,288/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,283
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,666
−HK$388/mo
Today · 4.125%
HK$15,054
baseline
▲ 0.50% · 4.625%
HK$15,848
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,108/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,978
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,444
−HK$473/mo
Today · 4.125%
HK$15,917
baseline
▲ 0.50% · 4.625%
HK$16,886
+HK$969/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,834/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,663
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,110
−HK$453/mo
Today · 4.125%
HK$17,563
baseline
▲ 0.50% · 4.625%
HK$18,489
+HK$926/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,126/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,258
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,857
−HK$608/mo
Today · 4.125%
HK$20,465
baseline
▲ 0.50% · 4.625%
HK$21,711
+HK$1,246/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,930/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,689 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,424
−HK$1,157/mo
▼ 0.25% · 3.875%
HK$21,999
−HK$582/mo
Today · 4.125%
HK$22,581
baseline
▲ 0.50% · 4.625%
HK$23,772
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,162/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,689 · 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).