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$10,619
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,950
−HK$335/mo
Today · 4.125%
HK$11,285
baseline
▲ 0.50% · 4.625%
HK$11,972
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,570/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,814
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,131
−HK$321/mo
Today · 4.125%
HK$12,452
baseline
▲ 0.50% · 4.625%
HK$13,109
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,904/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,743
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,140
−HK$402/mo
Today · 4.125%
HK$13,542
baseline
▲ 0.50% · 4.625%
HK$14,367
+HK$825/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,084/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,177
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,557
−HK$386/mo
Today · 4.125%
HK$14,943
baseline
▲ 0.50% · 4.625%
HK$15,730
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,886/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,867
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,330
−HK$470/mo
Today · 4.125%
HK$15,800
baseline
▲ 0.50% · 4.625%
HK$16,761
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,600/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,540
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,983
−HK$450/mo
Today · 4.125%
HK$17,433
baseline
▲ 0.50% · 4.625%
HK$18,352
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,866/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,115
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,710
−HK$604/mo
Today · 4.125%
HK$20,314
baseline
▲ 0.50% · 4.625%
HK$21,550
+HK$1,236/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,628/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,214 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,265
−HK$1,149/mo
▼ 0.25% · 3.875%
HK$21,836
−HK$578/mo
Today · 4.125%
HK$22,414
baseline
▲ 0.50% · 4.625%
HK$23,596
+HK$1,182/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,828/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,214 · 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).