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$10,644
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,975
−HK$336/mo
Today · 4.125%
HK$11,311
baseline
▲ 0.50% · 4.625%
HK$11,999
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,622/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,841
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,159
−HK$322/mo
Today · 4.125%
HK$12,481
baseline
▲ 0.50% · 4.625%
HK$13,139
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,962/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,772
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,170
−HK$403/mo
Today · 4.125%
HK$13,573
baseline
▲ 0.50% · 4.625%
HK$14,399
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,146/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,209
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,590
−HK$387/mo
Today · 4.125%
HK$14,977
baseline
▲ 0.50% · 4.625%
HK$15,766
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,954/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,901
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,365
−HK$471/mo
Today · 4.125%
HK$15,836
baseline
▲ 0.50% · 4.625%
HK$16,799
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,672/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,577
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,022
−HK$451/mo
Today · 4.125%
HK$17,473
baseline
▲ 0.50% · 4.625%
HK$18,394
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,946/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,159
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,755
−HK$605/mo
Today · 4.125%
HK$20,360
baseline
▲ 0.50% · 4.625%
HK$21,599
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,720/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,277 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,314
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,885
−HK$580/mo
Today · 4.125%
HK$22,465
baseline
▲ 0.50% · 4.625%
HK$23,650
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,930/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,277 · 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).