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$10,730
−HK$672/mo
▼ 0.25% · 3.875%
HK$11,063
−HK$339/mo
Today · 4.125%
HK$11,402
baseline
▲ 0.50% · 4.625%
HK$12,096
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,804/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,937
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,257
−HK$324/mo
Today · 4.125%
HK$12,581
baseline
▲ 0.50% · 4.625%
HK$13,245
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,162/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,876
−HK$807/mo
▼ 0.25% · 3.875%
HK$13,276
−HK$407/mo
Today · 4.125%
HK$13,683
baseline
▲ 0.50% · 4.625%
HK$14,516
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,366/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,324
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,708
−HK$390/mo
Today · 4.125%
HK$15,098
baseline
▲ 0.50% · 4.625%
HK$15,894
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,196/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,021
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,489
−HK$474/mo
Today · 4.125%
HK$15,963
baseline
▲ 0.50% · 4.625%
HK$16,935
+HK$972/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,926/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,711
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,159
−HK$455/mo
Today · 4.125%
HK$17,614
baseline
▲ 0.50% · 4.625%
HK$18,543
+HK$929/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,228/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,313
−HK$1,211/mo
▼ 0.25% · 3.875%
HK$19,914
−HK$610/mo
Today · 4.125%
HK$20,524
baseline
▲ 0.50% · 4.625%
HK$21,773
+HK$1,249/mo
Deposit HK$471K · loan HK$4.23M · min. income ≈ HK$41,048/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,486
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,062
−HK$585/mo
Today · 4.125%
HK$22,647
baseline
▲ 0.50% · 4.625%
HK$23,840
+HK$1,193/mo
Deposit HK$471K · loan HK$4.23M · min. income ≈ HK$45,294/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,045 · 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).