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$10,641
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,972
−HK$336/mo
Today · 4.125%
HK$11,308
baseline
▲ 0.50% · 4.625%
HK$11,996
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,616/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,838
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,155
−HK$323/mo
Today · 4.125%
HK$12,478
baseline
▲ 0.50% · 4.625%
HK$13,135
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,956/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,769
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,166
−HK$404/mo
Today · 4.125%
HK$13,570
baseline
▲ 0.50% · 4.625%
HK$14,396
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,140/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,206
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,587
−HK$386/mo
Today · 4.125%
HK$14,973
baseline
▲ 0.50% · 4.625%
HK$15,762
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,946/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,897
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,361
−HK$471/mo
Today · 4.125%
HK$15,832
baseline
▲ 0.50% · 4.625%
HK$16,795
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,664/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,573
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,018
−HK$451/mo
Today · 4.125%
HK$17,469
baseline
▲ 0.50% · 4.625%
HK$18,389
+HK$920/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,938/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,154
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,749
−HK$606/mo
Today · 4.125%
HK$20,355
baseline
▲ 0.50% · 4.625%
HK$21,593
+HK$1,238/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,710/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,156 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,308
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,880
−HK$580/mo
Today · 4.125%
HK$22,460
baseline
▲ 0.50% · 4.625%
HK$23,643
+HK$1,183/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,920/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,156 · 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).