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$10,706
−HK$671/mo
▼ 0.25% · 3.875%
HK$11,039
−HK$338/mo
Today · 4.125%
HK$11,377
baseline
▲ 0.50% · 4.625%
HK$12,069
+HK$692/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,754/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,910
−HK$643/mo
▼ 0.25% · 3.875%
HK$12,229
−HK$324/mo
Today · 4.125%
HK$12,553
baseline
▲ 0.50% · 4.625%
HK$13,215
+HK$662/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,106/mo (50% DSR)
Upfront cash ≈ HK$2.43M (deposit + AVD stamp duty HK$86,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,847
−HK$805/mo
▼ 0.25% · 3.875%
HK$13,246
−HK$406/mo
Today · 4.125%
HK$13,652
baseline
▲ 0.50% · 4.625%
HK$14,483
+HK$831/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$27,304/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,292
−HK$772/mo
▼ 0.25% · 3.875%
HK$14,675
−HK$389/mo
Today · 4.125%
HK$15,064
baseline
▲ 0.50% · 4.625%
HK$15,858
+HK$794/mo
Deposit HK$1.88M · loan HK$2.82M · min. income ≈ HK$30,128/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$86,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,988
−HK$940/mo
▼ 0.25% · 3.875%
HK$15,454
−HK$474/mo
Today · 4.125%
HK$15,928
baseline
▲ 0.50% · 4.625%
HK$16,897
+HK$969/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$31,856/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,674
−HK$901/mo
▼ 0.25% · 3.875%
HK$17,121
−HK$454/mo
Today · 4.125%
HK$17,575
baseline
▲ 0.50% · 4.625%
HK$18,501
+HK$926/mo
Deposit HK$1.41M · loan HK$3.29M · min. income ≈ HK$35,150/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$86,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,270
−HK$1,208/mo
▼ 0.25% · 3.875%
HK$19,869
−HK$609/mo
Today · 4.125%
HK$20,478
baseline
▲ 0.50% · 4.625%
HK$21,724
+HK$1,246/mo
Deposit HK$469K · loan HK$4.23M · min. income ≈ HK$40,956/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,988 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,438
−HK$1,158/mo
▼ 0.25% · 3.875%
HK$22,013
−HK$583/mo
Today · 4.125%
HK$22,596
baseline
▲ 0.50% · 4.625%
HK$23,787
+HK$1,191/mo
Deposit HK$469K · loan HK$4.23M · min. income ≈ HK$45,192/mo (50% DSR)
Upfront cash ≈ HK$556K (deposit + AVD stamp duty HK$86,988 · 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).