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$10,651
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,982
−HK$337/mo
Today · 4.125%
HK$11,319
baseline
▲ 0.50% · 4.625%
HK$12,008
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,638/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,849
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,167
−HK$322/mo
Today · 4.125%
HK$12,489
baseline
▲ 0.50% · 4.625%
HK$13,148
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,978/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,781
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,179
−HK$404/mo
Today · 4.125%
HK$13,583
baseline
▲ 0.50% · 4.625%
HK$14,409
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,166/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,219
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,600
−HK$387/mo
Today · 4.125%
HK$14,987
baseline
▲ 0.50% · 4.625%
HK$15,777
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,974/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,912
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,375
−HK$472/mo
Today · 4.125%
HK$15,847
baseline
▲ 0.50% · 4.625%
HK$16,811
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,694/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,589
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,034
−HK$451/mo
Today · 4.125%
HK$17,485
baseline
▲ 0.50% · 4.625%
HK$18,407
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,970/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,172
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,768
−HK$606/mo
Today · 4.125%
HK$20,374
baseline
▲ 0.50% · 4.625%
HK$21,614
+HK$1,240/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,748/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,603 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,329
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,901
−HK$580/mo
Today · 4.125%
HK$22,481
baseline
▲ 0.50% · 4.625%
HK$23,666
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,962/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,603 · 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).