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$10,491
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,817
−HK$332/mo
Today · 4.125%
HK$11,149
baseline
▲ 0.50% · 4.625%
HK$11,827
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,298/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,671
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,984
−HK$317/mo
Today · 4.125%
HK$12,301
baseline
▲ 0.50% · 4.625%
HK$12,950
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,602/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,589
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,980
−HK$398/mo
Today · 4.125%
HK$13,378
baseline
▲ 0.50% · 4.625%
HK$14,192
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,756/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,005
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,381
−HK$381/mo
Today · 4.125%
HK$14,762
baseline
▲ 0.50% · 4.625%
HK$15,540
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,524/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,687
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,144
−HK$464/mo
Today · 4.125%
HK$15,608
baseline
▲ 0.50% · 4.625%
HK$16,558
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,216/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,339
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,777
−HK$445/mo
Today · 4.125%
HK$17,222
baseline
▲ 0.50% · 4.625%
HK$18,130
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,444/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,883
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,471
−HK$596/mo
Today · 4.125%
HK$20,067
baseline
▲ 0.50% · 4.625%
HK$21,289
+HK$1,222/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,134/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,569 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,008
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,571
−HK$572/mo
Today · 4.125%
HK$22,143
baseline
▲ 0.50% · 4.625%
HK$23,310
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,286/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,569 · 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).