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$10,638
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,969
−HK$336/mo
Today · 4.125%
HK$11,305
baseline
▲ 0.50% · 4.625%
HK$11,993
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,610/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,835
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,152
−HK$322/mo
Today · 4.125%
HK$12,474
baseline
▲ 0.50% · 4.625%
HK$13,132
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,948/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,766
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,163
−HK$403/mo
Today · 4.125%
HK$13,566
baseline
▲ 0.50% · 4.625%
HK$14,392
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,132/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,202
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,583
−HK$386/mo
Today · 4.125%
HK$14,969
baseline
▲ 0.50% · 4.625%
HK$15,758
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,938/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,894
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,357
−HK$471/mo
Today · 4.125%
HK$15,828
baseline
▲ 0.50% · 4.625%
HK$16,791
+HK$963/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,656/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,569
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,013
−HK$451/mo
Today · 4.125%
HK$17,464
baseline
▲ 0.50% · 4.625%
HK$18,385
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,928/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$84,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,149
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,744
−HK$606/mo
Today · 4.125%
HK$20,350
baseline
▲ 0.50% · 4.625%
HK$21,588
+HK$1,238/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,700/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,038 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,303
−HK$1,151/mo
▼ 0.25% · 3.875%
HK$21,874
−HK$580/mo
Today · 4.125%
HK$22,454
baseline
▲ 0.50% · 4.625%
HK$23,637
+HK$1,183/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,908/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,038 · 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).