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$10,560
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$334/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,905
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,444/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,748
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,063
−HK$319/mo
Today · 4.125%
HK$12,382
baseline
▲ 0.50% · 4.625%
HK$13,035
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,764/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,672
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,066
−HK$400/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,286
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,932/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,097
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$384/mo
Today · 4.125%
HK$14,859
baseline
▲ 0.50% · 4.625%
HK$15,642
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,718/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,784
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,244
−HK$467/mo
Today · 4.125%
HK$15,711
baseline
▲ 0.50% · 4.625%
HK$16,667
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,422/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,447
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,888
−HK$447/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,249
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,670/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,008
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,599
−HK$600/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,429
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,398/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,146
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,713
−HK$575/mo
Today · 4.125%
HK$22,288
baseline
▲ 0.50% · 4.625%
HK$23,463
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,576/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,595 · 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).