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$10,544
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,872
−HK$333/mo
Today · 4.125%
HK$11,205
baseline
▲ 0.50% · 4.625%
HK$11,887
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,410/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,730
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,044
−HK$320/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,015
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,653
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,046
−HK$400/mo
Today · 4.125%
HK$13,446
baseline
▲ 0.50% · 4.625%
HK$14,264
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,892/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,076
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,453
−HK$383/mo
Today · 4.125%
HK$14,836
baseline
▲ 0.50% · 4.625%
HK$15,618
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,672/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,761
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,220
−HK$467/mo
Today · 4.125%
HK$15,687
baseline
▲ 0.50% · 4.625%
HK$16,641
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,374/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,422
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,862
−HK$447/mo
Today · 4.125%
HK$17,309
baseline
▲ 0.50% · 4.625%
HK$18,221
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,618/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,979
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,569
−HK$600/mo
Today · 4.125%
HK$20,169
baseline
▲ 0.50% · 4.625%
HK$21,396
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,338/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,894 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,114
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,680
−HK$574/mo
Today · 4.125%
HK$22,254
baseline
▲ 0.50% · 4.625%
HK$23,427
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,508/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,894 · 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).