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$10,736
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,070
−HK$339/mo
Today · 4.125%
HK$11,409
baseline
▲ 0.50% · 4.625%
HK$12,104
+HK$695/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,818/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,944
−HK$645/mo
▼ 0.25% · 3.875%
HK$12,264
−HK$325/mo
Today · 4.125%
HK$12,589
baseline
▲ 0.50% · 4.625%
HK$13,253
+HK$664/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,178/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,883
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,284
−HK$407/mo
Today · 4.125%
HK$13,691
baseline
▲ 0.50% · 4.625%
HK$14,524
+HK$833/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,382/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,333
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,717
−HK$390/mo
Today · 4.125%
HK$15,107
baseline
▲ 0.50% · 4.625%
HK$15,903
+HK$796/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,214/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,031
−HK$942/mo
▼ 0.25% · 3.875%
HK$15,498
−HK$475/mo
Today · 4.125%
HK$15,973
baseline
▲ 0.50% · 4.625%
HK$16,945
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,946/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,721
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,170
−HK$455/mo
Today · 4.125%
HK$17,625
baseline
▲ 0.50% · 4.625%
HK$18,554
+HK$929/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$88,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,325
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,926
−HK$611/mo
Today · 4.125%
HK$20,537
baseline
▲ 0.50% · 4.625%
HK$21,786
+HK$1,249/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,074/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,328 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,499
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,075
−HK$585/mo
Today · 4.125%
HK$22,660
baseline
▲ 0.50% · 4.625%
HK$23,855
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,320/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,328 · 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).