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$10,607
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,937
−HK$336/mo
Today · 4.125%
HK$11,273
baseline
▲ 0.50% · 4.625%
HK$11,958
+HK$685/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,546/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,801
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,117
−HK$321/mo
Today · 4.125%
HK$12,438
baseline
▲ 0.50% · 4.625%
HK$13,094
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,876/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,729
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,125
−HK$402/mo
Today · 4.125%
HK$13,527
baseline
▲ 0.50% · 4.625%
HK$14,350
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,054/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,161
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,540
−HK$386/mo
Today · 4.125%
HK$14,926
baseline
▲ 0.50% · 4.625%
HK$15,712
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,852/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,850
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,312
−HK$470/mo
Today · 4.125%
HK$15,782
baseline
▲ 0.50% · 4.625%
HK$16,742
+HK$960/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,564/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,521
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,964
−HK$449/mo
Today · 4.125%
HK$17,413
baseline
▲ 0.50% · 4.625%
HK$18,331
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,826/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,093
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,687
−HK$604/mo
Today · 4.125%
HK$20,291
baseline
▲ 0.50% · 4.625%
HK$21,525
+HK$1,234/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,582/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,682 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,241
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,811
−HK$578/mo
Today · 4.125%
HK$22,389
baseline
▲ 0.50% · 4.625%
HK$23,569
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,778/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,682 · 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).