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$10,562
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,890
−HK$334/mo
Today · 4.125%
HK$11,224
baseline
▲ 0.50% · 4.625%
HK$11,907
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,448/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,750
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,065
−HK$319/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,037
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,768/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,674
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,068
−HK$401/mo
Today · 4.125%
HK$13,469
baseline
▲ 0.50% · 4.625%
HK$14,288
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,938/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,100
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,478
−HK$383/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,645
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,722/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,786
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,246
−HK$467/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,670
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,426/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,450
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,891
−HK$447/mo
Today · 4.125%
HK$17,338
baseline
▲ 0.50% · 4.625%
HK$18,252
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,676/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,011
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,602
−HK$601/mo
Today · 4.125%
HK$20,203
baseline
▲ 0.50% · 4.625%
HK$21,432
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,406/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,676 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,149
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,717
−HK$575/mo
Today · 4.125%
HK$22,292
baseline
▲ 0.50% · 4.625%
HK$23,467
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,584/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,676 · 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).