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$10,593
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,923
−HK$335/mo
Today · 4.125%
HK$11,258
baseline
▲ 0.50% · 4.625%
HK$11,943
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,516/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$82,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,785
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,101
−HK$321/mo
Today · 4.125%
HK$12,422
baseline
▲ 0.50% · 4.625%
HK$13,077
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,844/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$82,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,712
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,108
−HK$401/mo
Today · 4.125%
HK$13,509
baseline
▲ 0.50% · 4.625%
HK$14,331
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,018/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,142
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,521
−HK$385/mo
Today · 4.125%
HK$14,906
baseline
▲ 0.50% · 4.625%
HK$15,692
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,812/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,831
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,292
−HK$469/mo
Today · 4.125%
HK$15,761
baseline
▲ 0.50% · 4.625%
HK$16,720
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,522/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,499
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,942
−HK$449/mo
Today · 4.125%
HK$17,391
baseline
▲ 0.50% · 4.625%
HK$18,307
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,782/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,068
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,661
−HK$603/mo
Today · 4.125%
HK$20,264
baseline
▲ 0.50% · 4.625%
HK$21,497
+HK$1,233/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,528/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,213
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,782
−HK$577/mo
Today · 4.125%
HK$22,359
baseline
▲ 0.50% · 4.625%
HK$23,538
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,718/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,072 · 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).