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$10,464
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,789
−HK$331/mo
Today · 4.125%
HK$11,120
baseline
▲ 0.50% · 4.625%
HK$11,797
+HK$677/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,240/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,641
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,953
−HK$317/mo
Today · 4.125%
HK$12,270
baseline
▲ 0.50% · 4.625%
HK$12,917
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,540/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,557
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,947
−HK$397/mo
Today · 4.125%
HK$13,344
baseline
▲ 0.50% · 4.625%
HK$14,156
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,688/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,969
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,344
−HK$380/mo
Today · 4.125%
HK$14,724
baseline
▲ 0.50% · 4.625%
HK$15,500
+HK$776/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,448/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,649
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,105
−HK$463/mo
Today · 4.125%
HK$15,568
baseline
▲ 0.50% · 4.625%
HK$16,515
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,136/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,297
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,734
−HK$444/mo
Today · 4.125%
HK$17,178
baseline
▲ 0.50% · 4.625%
HK$18,083
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,356/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,835
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,421
−HK$595/mo
Today · 4.125%
HK$20,016
baseline
▲ 0.50% · 4.625%
HK$21,234
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,032/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,391 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,954
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,516
−HK$570/mo
Today · 4.125%
HK$22,086
baseline
▲ 0.50% · 4.625%
HK$23,250
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,172/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,391 · 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).