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$10,541
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,869
−HK$333/mo
Today · 4.125%
HK$11,202
baseline
▲ 0.50% · 4.625%
HK$11,884
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,404/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,727
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,042
−HK$319/mo
Today · 4.125%
HK$12,361
baseline
▲ 0.50% · 4.625%
HK$13,012
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,722/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,650
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,043
−HK$400/mo
Today · 4.125%
HK$13,443
baseline
▲ 0.50% · 4.625%
HK$14,261
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,886/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,072
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,450
−HK$383/mo
Today · 4.125%
HK$14,833
baseline
▲ 0.50% · 4.625%
HK$15,615
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,666/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,758
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,217
−HK$466/mo
Today · 4.125%
HK$15,683
baseline
▲ 0.50% · 4.625%
HK$16,638
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,366/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,418
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,858
−HK$447/mo
Today · 4.125%
HK$17,305
baseline
▲ 0.50% · 4.625%
HK$18,217
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,610/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,974
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,565
−HK$599/mo
Today · 4.125%
HK$20,164
baseline
▲ 0.50% · 4.625%
HK$21,391
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,328/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,109
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,675
−HK$574/mo
Today · 4.125%
HK$22,249
baseline
▲ 0.50% · 4.625%
HK$23,422
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,498/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,785 · 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).