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$10,740
−HK$673/mo
▼ 0.25% · 3.875%
HK$11,074
−HK$339/mo
Today · 4.125%
HK$11,413
baseline
▲ 0.50% · 4.625%
HK$12,108
+HK$695/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$22,826/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,948
−HK$646/mo
▼ 0.25% · 3.875%
HK$12,269
−HK$325/mo
Today · 4.125%
HK$12,594
baseline
▲ 0.50% · 4.625%
HK$13,257
+HK$663/mo
Deposit HK$2.35M · loan HK$2.35M · min. income ≈ HK$25,188/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$88,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,888
−HK$808/mo
▼ 0.25% · 3.875%
HK$13,289
−HK$407/mo
Today · 4.125%
HK$13,696
baseline
▲ 0.50% · 4.625%
HK$14,529
+HK$833/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$27,392/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,338
−HK$774/mo
▼ 0.25% · 3.875%
HK$14,722
−HK$390/mo
Today · 4.125%
HK$15,112
baseline
▲ 0.50% · 4.625%
HK$15,909
+HK$797/mo
Deposit HK$1.88M · loan HK$2.83M · min. income ≈ HK$30,224/mo (50% DSR)
Upfront cash ≈ HK$1.97M (deposit + AVD stamp duty HK$88,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,036
−HK$943/mo
▼ 0.25% · 3.875%
HK$15,504
−HK$475/mo
Today · 4.125%
HK$15,979
baseline
▲ 0.50% · 4.625%
HK$16,951
+HK$972/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$31,958/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,727
−HK$904/mo
▼ 0.25% · 3.875%
HK$17,176
−HK$455/mo
Today · 4.125%
HK$17,631
baseline
▲ 0.50% · 4.625%
HK$18,560
+HK$929/mo
Deposit HK$1.41M · loan HK$3.30M · min. income ≈ HK$35,262/mo (50% DSR)
Upfront cash ≈ HK$1.50M (deposit + AVD stamp duty HK$88,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,332
−HK$1,212/mo
▼ 0.25% · 3.875%
HK$19,933
−HK$611/mo
Today · 4.125%
HK$20,544
baseline
▲ 0.50% · 4.625%
HK$21,794
+HK$1,250/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$41,088/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,498 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,507
−HK$1,161/mo
▼ 0.25% · 3.875%
HK$22,083
−HK$585/mo
Today · 4.125%
HK$22,668
baseline
▲ 0.50% · 4.625%
HK$23,863
+HK$1,195/mo
Deposit HK$471K · loan HK$4.24M · min. income ≈ HK$45,336/mo (50% DSR)
Upfront cash ≈ HK$559K (deposit + AVD stamp duty HK$88,498 · 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).