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$10,629
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,959
−HK$336/mo
Today · 4.125%
HK$11,295
baseline
▲ 0.50% · 4.625%
HK$11,982
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,590/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,824
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,141
−HK$322/mo
Today · 4.125%
HK$12,463
baseline
▲ 0.50% · 4.625%
HK$13,120
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,926/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,754
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,151
−HK$403/mo
Today · 4.125%
HK$13,554
baseline
▲ 0.50% · 4.625%
HK$14,379
+HK$825/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,108/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,189
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,570
−HK$386/mo
Today · 4.125%
HK$14,956
baseline
▲ 0.50% · 4.625%
HK$15,744
+HK$788/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,912/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,880
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,343
−HK$470/mo
Today · 4.125%
HK$15,813
baseline
▲ 0.50% · 4.625%
HK$16,775
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,626/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,554
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,998
−HK$450/mo
Today · 4.125%
HK$17,448
baseline
▲ 0.50% · 4.625%
HK$18,368
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,896/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,132
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,727
−HK$604/mo
Today · 4.125%
HK$20,331
baseline
▲ 0.50% · 4.625%
HK$21,568
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,662/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,284
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,854
−HK$580/mo
Today · 4.125%
HK$22,434
baseline
▲ 0.50% · 4.625%
HK$23,616
+HK$1,182/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,868/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,616 · 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).