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$10,477
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,802
−HK$331/mo
Today · 4.125%
HK$11,133
baseline
▲ 0.50% · 4.625%
HK$11,811
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,266/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,655
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,968
−HK$317/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$12,932
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,570/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,572
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,963
−HK$397/mo
Today · 4.125%
HK$13,360
baseline
▲ 0.50% · 4.625%
HK$14,173
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,720/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,986
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,361
−HK$381/mo
Today · 4.125%
HK$14,742
baseline
▲ 0.50% · 4.625%
HK$15,519
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,484/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,667
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,123
−HK$464/mo
Today · 4.125%
HK$15,587
baseline
▲ 0.50% · 4.625%
HK$16,535
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,174/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,317
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,755
−HK$444/mo
Today · 4.125%
HK$17,199
baseline
▲ 0.50% · 4.625%
HK$18,105
+HK$906/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,398/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,858
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,444
−HK$596/mo
Today · 4.125%
HK$20,040
baseline
▲ 0.50% · 4.625%
HK$21,260
+HK$1,220/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$40,080/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,946 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,979
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,542
−HK$570/mo
Today · 4.125%
HK$22,112
baseline
▲ 0.50% · 4.625%
HK$23,278
+HK$1,166/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$44,224/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,946 · 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).