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$10,688
−HK$670/mo
▼ 0.25% · 3.875%
HK$11,020
−HK$338/mo
Today · 4.125%
HK$11,358
baseline
▲ 0.50% · 4.625%
HK$12,049
+HK$691/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,716/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,890
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,209
−HK$324/mo
Today · 4.125%
HK$12,533
baseline
▲ 0.50% · 4.625%
HK$13,193
+HK$660/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,066/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,826
−HK$804/mo
▼ 0.25% · 3.875%
HK$13,225
−HK$405/mo
Today · 4.125%
HK$13,630
baseline
▲ 0.50% · 4.625%
HK$14,459
+HK$829/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,260/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,268
−HK$771/mo
▼ 0.25% · 3.875%
HK$14,651
−HK$388/mo
Today · 4.125%
HK$15,039
baseline
▲ 0.50% · 4.625%
HK$15,832
+HK$793/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,078/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,963
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,429
−HK$473/mo
Today · 4.125%
HK$15,902
baseline
▲ 0.50% · 4.625%
HK$16,869
+HK$967/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$31,804/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,646
−HK$900/mo
▼ 0.25% · 3.875%
HK$17,093
−HK$453/mo
Today · 4.125%
HK$17,546
baseline
▲ 0.50% · 4.625%
HK$18,471
+HK$925/mo
Deposit HK$1.41M · loan HK$3.28M · min. income ≈ HK$35,092/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$86,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,238
−HK$1,207/mo
▼ 0.25% · 3.875%
HK$19,837
−HK$608/mo
Today · 4.125%
HK$20,445
baseline
▲ 0.50% · 4.625%
HK$21,689
+HK$1,244/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,890/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,403
−HK$1,156/mo
▼ 0.25% · 3.875%
HK$21,977
−HK$582/mo
Today · 4.125%
HK$22,559
baseline
▲ 0.50% · 4.625%
HK$23,748
+HK$1,189/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,118/mo (50% DSR)
Upfront cash ≈ HK$555K (deposit + AVD stamp duty HK$86,220 · 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).