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$10,478
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,804
−HK$331/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,270/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$77,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,657
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,970
−HK$317/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$12,935
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,574/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$77,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,574
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$398/mo
Today · 4.125%
HK$13,363
baseline
▲ 0.50% · 4.625%
HK$14,176
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,726/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,989
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,364
−HK$380/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,521
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,670
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,126
−HK$464/mo
Today · 4.125%
HK$15,590
baseline
▲ 0.50% · 4.625%
HK$16,538
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,180/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,320
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,758
−HK$444/mo
Today · 4.125%
HK$17,202
baseline
▲ 0.50% · 4.625%
HK$18,108
+HK$906/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,404/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,448
−HK$596/mo
Today · 4.125%
HK$20,044
baseline
▲ 0.50% · 4.625%
HK$21,264
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,088/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,028 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,983
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,546
−HK$570/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,282
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,028 · 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).