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$10,520
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,847
−HK$333/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,860
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,360/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,704
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,017
−HK$319/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$12,986
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,672/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,624
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$399/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,232
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,832/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,044
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$382/mo
Today · 4.125%
HK$14,803
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$780/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,606/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,728
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$466/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,604
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,385
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$446/mo
Today · 4.125%
HK$17,270
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,540/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,936
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,525
−HK$599/mo
Today · 4.125%
HK$20,124
baseline
▲ 0.50% · 4.625%
HK$21,348
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,248/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,859 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,066
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,631
−HK$574/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,375
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,859 · 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).