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$10,566
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,895
−HK$334/mo
Today · 4.125%
HK$11,229
baseline
▲ 0.50% · 4.625%
HK$11,912
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,458/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,755
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,070
−HK$320/mo
Today · 4.125%
HK$12,390
baseline
▲ 0.50% · 4.625%
HK$13,043
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,780/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,679
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,074
−HK$401/mo
Today · 4.125%
HK$13,475
baseline
▲ 0.50% · 4.625%
HK$14,294
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,950/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,106
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$384/mo
Today · 4.125%
HK$14,868
baseline
▲ 0.50% · 4.625%
HK$15,652
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,736/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,793
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,253
−HK$467/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,677
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,440/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,457
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$448/mo
Today · 4.125%
HK$17,346
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,692/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,611
−HK$601/mo
Today · 4.125%
HK$20,212
baseline
▲ 0.50% · 4.625%
HK$21,442
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,424/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,159
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,726
−HK$576/mo
Today · 4.125%
HK$22,302
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,604/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,878 · 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).