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$10,545
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,873
−HK$333/mo
Today · 4.125%
HK$11,206
baseline
▲ 0.50% · 4.625%
HK$11,888
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,412/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,731
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,046
−HK$319/mo
Today · 4.125%
HK$12,365
baseline
▲ 0.50% · 4.625%
HK$13,017
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,730/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,654
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,047
−HK$400/mo
Today · 4.125%
HK$13,447
baseline
▲ 0.50% · 4.625%
HK$14,266
+HK$819/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,894/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,077
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,455
−HK$383/mo
Today · 4.125%
HK$14,838
baseline
▲ 0.50% · 4.625%
HK$15,620
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,676/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,763
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,222
−HK$467/mo
Today · 4.125%
HK$15,689
baseline
▲ 0.50% · 4.625%
HK$16,643
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,378/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,423
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,864
−HK$447/mo
Today · 4.125%
HK$17,311
baseline
▲ 0.50% · 4.625%
HK$18,223
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,622/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,981
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,571
−HK$600/mo
Today · 4.125%
HK$20,171
baseline
▲ 0.50% · 4.625%
HK$21,398
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,342/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,942 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,116
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,682
−HK$575/mo
Today · 4.125%
HK$22,257
baseline
▲ 0.50% · 4.625%
HK$23,430
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,514/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,942 · 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).