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$10,584
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,913
−HK$334/mo
Today · 4.125%
HK$11,247
baseline
▲ 0.50% · 4.625%
HK$11,932
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,494/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,774
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,090
−HK$320/mo
Today · 4.125%
HK$12,410
baseline
▲ 0.50% · 4.625%
HK$13,064
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,820/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,700
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,095
−HK$402/mo
Today · 4.125%
HK$13,497
baseline
▲ 0.50% · 4.625%
HK$14,318
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,994/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,129
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,508
−HK$384/mo
Today · 4.125%
HK$14,892
baseline
▲ 0.50% · 4.625%
HK$15,677
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,784/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,817
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,278
−HK$468/mo
Today · 4.125%
HK$15,746
baseline
▲ 0.50% · 4.625%
HK$16,704
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,492/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,484
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,926
−HK$448/mo
Today · 4.125%
HK$17,374
baseline
▲ 0.50% · 4.625%
HK$18,290
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,748/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,050
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,643
−HK$602/mo
Today · 4.125%
HK$20,245
baseline
▲ 0.50% · 4.625%
HK$21,477
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,490/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,193
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,762
−HK$576/mo
Today · 4.125%
HK$22,338
baseline
▲ 0.50% · 4.625%
HK$23,516
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,676/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,639 · 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).