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$10,737
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,071
−HK$339/mo
Today · 4.125%
HK$11,410
baseline
▲ 0.50% · 4.625%
HK$12,104
+HK$694/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,820/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,944
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,265
−HK$325/mo
Today · 4.125%
HK$12,590
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,180/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,884
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,285
−HK$407/mo
Today · 4.125%
HK$13,692
baseline
▲ 0.50% · 4.625%
HK$14,525
+HK$833/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,384/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$775/mo
▼ 0.25% · 3.875%
HK$14,718
−HK$390/mo
Today · 4.125%
HK$15,108
baseline
▲ 0.50% · 4.625%
HK$15,904
+HK$796/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,216/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,031
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,499
−HK$475/mo
Today · 4.125%
HK$15,974
baseline
▲ 0.50% · 4.625%
HK$16,946
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,948/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,722
−HK$903/mo
▼ 0.25% · 3.875%
HK$17,171
−HK$454/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,555
+HK$930/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,250/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,326
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,927
−HK$611/mo
Today · 4.125%
HK$20,538
baseline
▲ 0.50% · 4.625%
HK$21,787
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,076/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,349 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,500
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,076
−HK$585/mo
Today · 4.125%
HK$22,661
baseline
▲ 0.50% · 4.625%
HK$23,856
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,322/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,349 · 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).