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$10,559
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,888
−HK$334/mo
Today · 4.125%
HK$11,222
baseline
▲ 0.50% · 4.625%
HK$11,904
+HK$682/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$80,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,747
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,062
−HK$320/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$80,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,671
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,065
−HK$401/mo
Today · 4.125%
HK$13,466
baseline
▲ 0.50% · 4.625%
HK$14,285
+HK$819/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$80,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,097
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,475
−HK$383/mo
Today · 4.125%
HK$14,858
baseline
▲ 0.50% · 4.625%
HK$15,642
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,716/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,783
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,243
−HK$467/mo
Today · 4.125%
HK$15,710
baseline
▲ 0.50% · 4.625%
HK$16,666
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,420/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,446
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,887
−HK$448/mo
Today · 4.125%
HK$17,335
baseline
▲ 0.50% · 4.625%
HK$18,248
+HK$913/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$80,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,007
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,598
−HK$601/mo
Today · 4.125%
HK$20,199
baseline
▲ 0.50% · 4.625%
HK$21,428
+HK$1,229/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$80,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,145
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,712
−HK$575/mo
Today · 4.125%
HK$22,287
baseline
▲ 0.50% · 4.625%
HK$23,462
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,574/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,581 · 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).