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$10,586
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$334/mo
Today · 4.125%
HK$11,250
baseline
▲ 0.50% · 4.625%
HK$11,935
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,500/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,777
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,093
−HK$321/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,068
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,828/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,704
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,099
−HK$401/mo
Today · 4.125%
HK$13,500
baseline
▲ 0.50% · 4.625%
HK$14,322
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,000/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,133
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,512
−HK$384/mo
Today · 4.125%
HK$14,896
baseline
▲ 0.50% · 4.625%
HK$15,682
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,792/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,821
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,282
−HK$468/mo
Today · 4.125%
HK$15,750
baseline
▲ 0.50% · 4.625%
HK$16,709
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,500/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,488
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,930
−HK$449/mo
Today · 4.125%
HK$17,379
baseline
▲ 0.50% · 4.625%
HK$18,295
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,758/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,056
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,648
−HK$603/mo
Today · 4.125%
HK$20,251
baseline
▲ 0.50% · 4.625%
HK$21,483
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,502/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,199
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,768
−HK$577/mo
Today · 4.125%
HK$22,345
baseline
▲ 0.50% · 4.625%
HK$23,522
+HK$1,177/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,690/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,766 · 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).