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$10,457
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,782
−HK$331/mo
Today · 4.125%
HK$11,113
baseline
▲ 0.50% · 4.625%
HK$11,789
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,226/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,633
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,945
−HK$317/mo
Today · 4.125%
HK$12,262
baseline
▲ 0.50% · 4.625%
HK$12,908
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,524/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,548
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,939
−HK$396/mo
Today · 4.125%
HK$13,335
baseline
▲ 0.50% · 4.625%
HK$14,146
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,670/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,960
−HK$754/mo
▼ 0.25% · 3.875%
HK$14,334
−HK$380/mo
Today · 4.125%
HK$14,714
baseline
▲ 0.50% · 4.625%
HK$15,490
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,428/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,640
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,095
−HK$463/mo
Today · 4.125%
HK$15,558
baseline
▲ 0.50% · 4.625%
HK$16,504
+HK$946/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,116/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,286
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,723
−HK$443/mo
Today · 4.125%
HK$17,166
baseline
▲ 0.50% · 4.625%
HK$18,071
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,332/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,822
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,408
−HK$595/mo
Today · 4.125%
HK$20,003
baseline
▲ 0.50% · 4.625%
HK$21,220
+HK$1,217/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,006/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,082 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,940
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,501
−HK$570/mo
Today · 4.125%
HK$22,071
baseline
▲ 0.50% · 4.625%
HK$23,234
+HK$1,163/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,142/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,082 · 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).