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$10,567
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,895
−HK$334/mo
Today · 4.125%
HK$11,229
baseline
▲ 0.50% · 4.625%
HK$11,913
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,458/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,755
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,071
−HK$320/mo
Today · 4.125%
HK$12,391
baseline
▲ 0.50% · 4.625%
HK$13,044
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,782/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,680
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,075
−HK$400/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,295
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,950/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,106
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,485
−HK$384/mo
Today · 4.125%
HK$14,869
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,738/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,254
−HK$467/mo
Today · 4.125%
HK$15,721
baseline
▲ 0.50% · 4.625%
HK$16,678
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,442/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,458
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,899
−HK$448/mo
Today · 4.125%
HK$17,347
baseline
▲ 0.50% · 4.625%
HK$18,261
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,694/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,020
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,612
−HK$601/mo
Today · 4.125%
HK$20,213
baseline
▲ 0.50% · 4.625%
HK$21,443
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,426/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,160
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,727
−HK$576/mo
Today · 4.125%
HK$22,303
baseline
▲ 0.50% · 4.625%
HK$23,479
+HK$1,176/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,606/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,902 · 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).