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$10,510
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,836
−HK$333/mo
Today · 4.125%
HK$11,169
baseline
▲ 0.50% · 4.625%
HK$11,848
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,338/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,692
−HK$631/mo
▼ 0.25% · 3.875%
HK$12,005
−HK$318/mo
Today · 4.125%
HK$12,323
baseline
▲ 0.50% · 4.625%
HK$12,973
+HK$650/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,646/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,612
−HK$790/mo
▼ 0.25% · 3.875%
HK$13,004
−HK$398/mo
Today · 4.125%
HK$13,402
baseline
▲ 0.50% · 4.625%
HK$14,218
+HK$816/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,804/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,030
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,406
−HK$382/mo
Today · 4.125%
HK$14,788
baseline
▲ 0.50% · 4.625%
HK$15,568
+HK$780/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,576/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,713
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,171
−HK$465/mo
Today · 4.125%
HK$15,636
baseline
▲ 0.50% · 4.625%
HK$16,587
+HK$951/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,272/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,369
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,808
−HK$445/mo
Today · 4.125%
HK$17,253
baseline
▲ 0.50% · 4.625%
HK$18,162
+HK$909/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,506/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,917
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,506
−HK$598/mo
Today · 4.125%
HK$20,104
baseline
▲ 0.50% · 4.625%
HK$21,327
+HK$1,223/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,208/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,045
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,610
−HK$572/mo
Today · 4.125%
HK$22,182
baseline
▲ 0.50% · 4.625%
HK$23,352
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,364/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,395 · 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).