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$10,636
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,967
−HK$336/mo
Today · 4.125%
HK$11,303
baseline
▲ 0.50% · 4.625%
HK$11,991
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,606/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,833
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,150
−HK$322/mo
Today · 4.125%
HK$12,472
baseline
▲ 0.50% · 4.625%
HK$13,129
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,944/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,764
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,161
−HK$403/mo
Today · 4.125%
HK$13,564
baseline
▲ 0.50% · 4.625%
HK$14,389
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,128/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,199
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,580
−HK$386/mo
Today · 4.125%
HK$14,966
baseline
▲ 0.50% · 4.625%
HK$15,755
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,932/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,891
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,354
−HK$471/mo
Today · 4.125%
HK$15,825
baseline
▲ 0.50% · 4.625%
HK$16,787
+HK$962/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,650/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,566
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,010
−HK$451/mo
Today · 4.125%
HK$17,461
baseline
▲ 0.50% · 4.625%
HK$18,381
+HK$920/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,922/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,145
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,741
−HK$605/mo
Today · 4.125%
HK$20,346
baseline
▲ 0.50% · 4.625%
HK$21,584
+HK$1,238/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,692/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,952 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,299
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,870
−HK$580/mo
Today · 4.125%
HK$22,450
baseline
▲ 0.50% · 4.625%
HK$23,633
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,900/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,952 · 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).