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$10,634
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,965
−HK$336/mo
Today · 4.125%
HK$11,301
baseline
▲ 0.50% · 4.625%
HK$11,988
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,602/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,830
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,147
−HK$322/mo
Today · 4.125%
HK$12,469
baseline
▲ 0.50% · 4.625%
HK$13,127
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,938/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,761
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,158
−HK$403/mo
Today · 4.125%
HK$13,561
baseline
▲ 0.50% · 4.625%
HK$14,386
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,122/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,196
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,577
−HK$386/mo
Today · 4.125%
HK$14,963
baseline
▲ 0.50% · 4.625%
HK$15,752
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,926/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,887
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,351
−HK$470/mo
Today · 4.125%
HK$15,821
baseline
▲ 0.50% · 4.625%
HK$16,784
+HK$963/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,642/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,562
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,006
−HK$451/mo
Today · 4.125%
HK$17,457
baseline
▲ 0.50% · 4.625%
HK$18,377
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,914/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,141
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,736
−HK$605/mo
Today · 4.125%
HK$20,341
baseline
▲ 0.50% · 4.625%
HK$21,579
+HK$1,238/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,682/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,847 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,294
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,865
−HK$580/mo
Today · 4.125%
HK$22,445
baseline
▲ 0.50% · 4.625%
HK$23,628
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,890/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,847 · 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).