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$10,668
−HK$669/mo
▼ 0.25% · 3.875%
HK$11,000
−HK$337/mo
Today · 4.125%
HK$11,337
baseline
▲ 0.50% · 4.625%
HK$12,027
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,674/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,868
−HK$642/mo
▼ 0.25% · 3.875%
HK$12,187
−HK$323/mo
Today · 4.125%
HK$12,510
baseline
▲ 0.50% · 4.625%
HK$13,169
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,020/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,802
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,200
−HK$405/mo
Today · 4.125%
HK$13,605
baseline
▲ 0.50% · 4.625%
HK$14,433
+HK$828/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,210/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,242
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,624
−HK$388/mo
Today · 4.125%
HK$15,012
baseline
▲ 0.50% · 4.625%
HK$15,803
+HK$791/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,024/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,936
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,400
−HK$472/mo
Today · 4.125%
HK$15,872
baseline
▲ 0.50% · 4.625%
HK$16,838
+HK$966/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,744/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,616
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,061
−HK$452/mo
Today · 4.125%
HK$17,513
baseline
▲ 0.50% · 4.625%
HK$18,437
+HK$924/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,026/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,203
−HK$1,204/mo
▼ 0.25% · 3.875%
HK$19,800
−HK$607/mo
Today · 4.125%
HK$20,407
baseline
▲ 0.50% · 4.625%
HK$21,649
+HK$1,242/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,814/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,356 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,363
−HK$1,154/mo
▼ 0.25% · 3.875%
HK$21,936
−HK$581/mo
Today · 4.125%
HK$22,517
baseline
▲ 0.50% · 4.625%
HK$23,704
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,034/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,356 · 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).