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$10,640
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,971
−HK$336/mo
Today · 4.125%
HK$11,307
baseline
▲ 0.50% · 4.625%
HK$11,995
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,614/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,837
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,154
−HK$322/mo
Today · 4.125%
HK$12,476
baseline
▲ 0.50% · 4.625%
HK$13,134
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,952/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,768
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,165
−HK$404/mo
Today · 4.125%
HK$13,569
baseline
▲ 0.50% · 4.625%
HK$14,394
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,138/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,204
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,585
−HK$387/mo
Today · 4.125%
HK$14,972
baseline
▲ 0.50% · 4.625%
HK$15,761
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,944/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,896
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,359
−HK$471/mo
Today · 4.125%
HK$15,830
baseline
▲ 0.50% · 4.625%
HK$16,793
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,660/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,572
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,016
−HK$451/mo
Today · 4.125%
HK$17,467
baseline
▲ 0.50% · 4.625%
HK$18,388
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,934/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,152
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,748
−HK$605/mo
Today · 4.125%
HK$20,353
baseline
▲ 0.50% · 4.625%
HK$21,591
+HK$1,238/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,706/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,306
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,878
−HK$579/mo
Today · 4.125%
HK$22,457
baseline
▲ 0.50% · 4.625%
HK$23,641
+HK$1,184/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,914/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,112 · 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).