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$10,649
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$337/mo
Today · 4.125%
HK$11,317
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$688/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,634/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,847
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,165
−HK$322/mo
Today · 4.125%
HK$12,487
baseline
▲ 0.50% · 4.625%
HK$13,145
+HK$658/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,974/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,779
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$404/mo
Today · 4.125%
HK$13,580
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,160/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,216
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$387/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,774
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,908
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$471/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,686/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,586
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$452/mo
Today · 4.125%
HK$17,482
baseline
▲ 0.50% · 4.625%
HK$18,403
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,964/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,168
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,764
−HK$606/mo
Today · 4.125%
HK$20,370
baseline
▲ 0.50% · 4.625%
HK$21,610
+HK$1,240/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,740/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,506 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,324
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,896
−HK$580/mo
Today · 4.125%
HK$22,476
baseline
▲ 0.50% · 4.625%
HK$23,661
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,952/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,506 · 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).