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$11,883
+HK$681/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$79,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,726
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,041
−HK$319/mo
Today · 4.125%
HK$12,360
baseline
▲ 0.50% · 4.625%
HK$13,011
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,720/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,649
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,042
−HK$400/mo
Today · 4.125%
HK$13,442
baseline
▲ 0.50% · 4.625%
HK$14,260
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,884/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,072
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,449
−HK$383/mo
Today · 4.125%
HK$14,832
baseline
▲ 0.50% · 4.625%
HK$15,614
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,664/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,757
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,216
−HK$466/mo
Today · 4.125%
HK$15,682
baseline
▲ 0.50% · 4.625%
HK$16,637
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,364/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,417
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,857
−HK$447/mo
Today · 4.125%
HK$17,304
baseline
▲ 0.50% · 4.625%
HK$18,216
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,608/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,973
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,563
−HK$600/mo
Today · 4.125%
HK$20,163
baseline
▲ 0.50% · 4.625%
HK$21,390
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,326/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,759 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,108
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,674
−HK$574/mo
Today · 4.125%
HK$22,248
baseline
▲ 0.50% · 4.625%
HK$23,421
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,496/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,759 · 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).