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$10,523
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,850
−HK$333/mo
Today · 4.125%
HK$11,183
baseline
▲ 0.50% · 4.625%
HK$11,863
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,366/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,707
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,021
−HK$318/mo
Today · 4.125%
HK$12,339
baseline
▲ 0.50% · 4.625%
HK$12,990
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,678/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,628
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,020
−HK$400/mo
Today · 4.125%
HK$13,420
baseline
▲ 0.50% · 4.625%
HK$14,236
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,840/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,048
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,425
−HK$382/mo
Today · 4.125%
HK$14,807
baseline
▲ 0.50% · 4.625%
HK$15,588
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,614/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,732
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,191
−HK$465/mo
Today · 4.125%
HK$15,656
baseline
▲ 0.50% · 4.625%
HK$16,609
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,312/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,390
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,829
−HK$446/mo
Today · 4.125%
HK$17,275
baseline
▲ 0.50% · 4.625%
HK$18,186
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,550/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,942
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,531
−HK$598/mo
Today · 4.125%
HK$20,129
baseline
▲ 0.50% · 4.625%
HK$21,354
+HK$1,225/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,258/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,987 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,072
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,637
−HK$574/mo
Today · 4.125%
HK$22,211
baseline
▲ 0.50% · 4.625%
HK$23,381
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,422/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,987 · 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).