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$10,704
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,037
−HK$338/mo
Today · 4.125%
HK$11,375
baseline
▲ 0.50% · 4.625%
HK$12,067
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,750/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,908
−HK$644/mo
▼ 0.25% · 3.875%
HK$12,228
−HK$324/mo
Today · 4.125%
HK$12,552
baseline
▲ 0.50% · 4.625%
HK$13,213
+HK$661/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,104/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,845
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,244
−HK$406/mo
Today · 4.125%
HK$13,650
baseline
▲ 0.50% · 4.625%
HK$14,481
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,300/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,290
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,673
−HK$389/mo
Today · 4.125%
HK$15,062
baseline
▲ 0.50% · 4.625%
HK$15,856
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,124/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,986
−HK$939/mo
▼ 0.25% · 3.875%
HK$15,452
−HK$473/mo
Today · 4.125%
HK$15,925
baseline
▲ 0.50% · 4.625%
HK$16,894
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,850/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,671
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,119
−HK$453/mo
Today · 4.125%
HK$17,572
baseline
▲ 0.50% · 4.625%
HK$18,498
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,144/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,267
−HK$1,209/mo
▼ 0.25% · 3.875%
HK$19,867
−HK$609/mo
Today · 4.125%
HK$20,476
baseline
▲ 0.50% · 4.625%
HK$21,721
+HK$1,245/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$40,952/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,925 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,435
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,010
−HK$583/mo
Today · 4.125%
HK$22,593
baseline
▲ 0.50% · 4.625%
HK$23,784
+HK$1,191/mo
Deposit HK$469K · loan HK$4.22M · min. income ≈ HK$45,186/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,925 · 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).