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$10,580
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,909
−HK$334/mo
Today · 4.125%
HK$11,243
baseline
▲ 0.50% · 4.625%
HK$11,927
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,486/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,770
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,085
−HK$321/mo
Today · 4.125%
HK$12,406
baseline
▲ 0.50% · 4.625%
HK$13,060
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,812/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,696
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,090
−HK$402/mo
Today · 4.125%
HK$13,492
baseline
▲ 0.50% · 4.625%
HK$14,313
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,984/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,124
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,502
−HK$385/mo
Today · 4.125%
HK$14,887
baseline
▲ 0.50% · 4.625%
HK$15,671
+HK$784/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,774/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,811
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,272
−HK$468/mo
Today · 4.125%
HK$15,740
baseline
▲ 0.50% · 4.625%
HK$16,698
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,480/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,478
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,920
−HK$448/mo
Today · 4.125%
HK$17,368
baseline
▲ 0.50% · 4.625%
HK$18,283
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,736/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,043
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,636
−HK$602/mo
Today · 4.125%
HK$20,238
baseline
▲ 0.50% · 4.625%
HK$21,469
+HK$1,231/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,476/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,467 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,186
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,754
−HK$576/mo
Today · 4.125%
HK$22,330
baseline
▲ 0.50% · 4.625%
HK$23,507
+HK$1,177/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,660/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,467 · 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).