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$10,563
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,892
−HK$333/mo
Today · 4.125%
HK$11,225
baseline
▲ 0.50% · 4.625%
HK$11,908
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,450/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,751
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,066
−HK$320/mo
Today · 4.125%
HK$12,386
baseline
▲ 0.50% · 4.625%
HK$13,039
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,772/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,676
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,070
−HK$400/mo
Today · 4.125%
HK$13,470
baseline
▲ 0.50% · 4.625%
HK$14,290
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,940/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,101
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,480
−HK$383/mo
Today · 4.125%
HK$14,863
baseline
▲ 0.50% · 4.625%
HK$15,647
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,726/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,788
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,248
−HK$467/mo
Today · 4.125%
HK$15,715
baseline
▲ 0.50% · 4.625%
HK$16,672
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,430/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,452
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,893
−HK$447/mo
Today · 4.125%
HK$17,340
baseline
▲ 0.50% · 4.625%
HK$18,255
+HK$915/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,680/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,013
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,605
−HK$601/mo
Today · 4.125%
HK$20,206
baseline
▲ 0.50% · 4.625%
HK$21,435
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,412/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,735 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,152
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,719
−HK$576/mo
Today · 4.125%
HK$22,295
baseline
▲ 0.50% · 4.625%
HK$23,470
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,590/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,735 · 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).