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$10,493
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,819
−HK$332/mo
Today · 4.125%
HK$11,151
baseline
▲ 0.50% · 4.625%
HK$11,829
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,302/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,673
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,986
−HK$318/mo
Today · 4.125%
HK$12,304
baseline
▲ 0.50% · 4.625%
HK$12,952
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,608/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,591
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,983
−HK$398/mo
Today · 4.125%
HK$13,381
baseline
▲ 0.50% · 4.625%
HK$14,195
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,762/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,008
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,383
−HK$381/mo
Today · 4.125%
HK$14,764
baseline
▲ 0.50% · 4.625%
HK$15,543
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,528/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,690
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,147
−HK$464/mo
Today · 4.125%
HK$15,611
baseline
▲ 0.50% · 4.625%
HK$16,561
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,222/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,342
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,781
−HK$444/mo
Today · 4.125%
HK$17,225
baseline
▲ 0.50% · 4.625%
HK$18,133
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,450/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,887
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,474
−HK$597/mo
Today · 4.125%
HK$20,071
baseline
▲ 0.50% · 4.625%
HK$21,293
+HK$1,222/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,142/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,011
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,575
−HK$572/mo
Today · 4.125%
HK$22,147
baseline
▲ 0.50% · 4.625%
HK$23,314
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,294/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,655 · 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).