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$10,481
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$331/mo
Today · 4.125%
HK$11,138
baseline
▲ 0.50% · 4.625%
HK$11,816
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,276/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,660
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$318/mo
Today · 4.125%
HK$12,290
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,580/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,577
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,968
−HK$397/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,179
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,730/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,992
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,367
−HK$380/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,525
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,494/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,673
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$464/mo
Today · 4.125%
HK$15,593
baseline
▲ 0.50% · 4.625%
HK$16,542
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,186/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,761
−HK$444/mo
Today · 4.125%
HK$17,205
baseline
▲ 0.50% · 4.625%
HK$18,112
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,410/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,865
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,452
−HK$596/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,268
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$571/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,287
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,126 · 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).