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$10,643
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,974
−HK$336/mo
Today · 4.125%
HK$11,310
baseline
▲ 0.50% · 4.625%
HK$11,998
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,620/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,840
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,158
−HK$322/mo
Today · 4.125%
HK$12,480
baseline
▲ 0.50% · 4.625%
HK$13,137
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,960/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,771
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,169
−HK$403/mo
Today · 4.125%
HK$13,572
baseline
▲ 0.50% · 4.625%
HK$14,398
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,144/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,208
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,589
−HK$387/mo
Today · 4.125%
HK$14,976
baseline
▲ 0.50% · 4.625%
HK$15,765
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,952/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,900
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,363
−HK$471/mo
Today · 4.125%
HK$15,834
baseline
▲ 0.50% · 4.625%
HK$16,798
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,668/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,576
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,021
−HK$450/mo
Today · 4.125%
HK$17,471
baseline
▲ 0.50% · 4.625%
HK$18,392
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,942/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,157
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,753
−HK$605/mo
Today · 4.125%
HK$20,358
baseline
▲ 0.50% · 4.625%
HK$21,597
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,716/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,236 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,312
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,884
−HK$579/mo
Today · 4.125%
HK$22,463
baseline
▲ 0.50% · 4.625%
HK$23,647
+HK$1,184/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,926/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,236 · 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).