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$10,532
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$333/mo
Today · 4.125%
HK$11,192
baseline
▲ 0.50% · 4.625%
HK$11,873
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,384/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,717
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,031
−HK$319/mo
Today · 4.125%
HK$12,350
baseline
▲ 0.50% · 4.625%
HK$13,001
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,700/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,638
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,031
−HK$400/mo
Today · 4.125%
HK$13,431
baseline
▲ 0.50% · 4.625%
HK$14,248
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,862/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,060
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,437
−HK$383/mo
Today · 4.125%
HK$14,820
baseline
▲ 0.50% · 4.625%
HK$15,601
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,640/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,745
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,203
−HK$466/mo
Today · 4.125%
HK$15,669
baseline
▲ 0.50% · 4.625%
HK$16,623
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,338/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,403
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,843
−HK$446/mo
Today · 4.125%
HK$17,289
baseline
▲ 0.50% · 4.625%
HK$18,201
+HK$912/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,578/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,957
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,547
−HK$599/mo
Today · 4.125%
HK$20,146
baseline
▲ 0.50% · 4.625%
HK$21,372
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,292/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,090
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,656
−HK$573/mo
Today · 4.125%
HK$22,229
baseline
▲ 0.50% · 4.625%
HK$23,401
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,458/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,373 · 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).