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$10,544
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$334/mo
Today · 4.125%
HK$11,206
baseline
▲ 0.50% · 4.625%
HK$11,887
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,412/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,731
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,045
−HK$319/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,016
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,047
−HK$400/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,265
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,894/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,077
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,454
−HK$383/mo
Today · 4.125%
HK$14,837
baseline
▲ 0.50% · 4.625%
HK$15,619
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,674/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,762
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,221
−HK$467/mo
Today · 4.125%
HK$15,688
baseline
▲ 0.50% · 4.625%
HK$16,642
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,376/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,423
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,863
−HK$447/mo
Today · 4.125%
HK$17,310
baseline
▲ 0.50% · 4.625%
HK$18,222
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,620/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,980
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,570
−HK$600/mo
Today · 4.125%
HK$20,170
baseline
▲ 0.50% · 4.625%
HK$21,397
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,340/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,923 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,115
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,681
−HK$575/mo
Today · 4.125%
HK$22,256
baseline
▲ 0.50% · 4.625%
HK$23,429
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,512/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,923 · 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).