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$10,516
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,844
−HK$332/mo
Today · 4.125%
HK$11,176
baseline
▲ 0.50% · 4.625%
HK$11,856
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,352/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,700
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,013
−HK$319/mo
Today · 4.125%
HK$12,332
baseline
▲ 0.50% · 4.625%
HK$12,982
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,664/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,620
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,012
−HK$399/mo
Today · 4.125%
HK$13,411
baseline
▲ 0.50% · 4.625%
HK$14,227
+HK$816/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,822/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,039
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,416
−HK$382/mo
Today · 4.125%
HK$14,798
baseline
▲ 0.50% · 4.625%
HK$15,578
+HK$780/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,596/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,723
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,181
−HK$465/mo
Today · 4.125%
HK$15,646
baseline
▲ 0.50% · 4.625%
HK$16,598
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,292/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,379
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,819
−HK$445/mo
Today · 4.125%
HK$17,264
baseline
▲ 0.50% · 4.625%
HK$18,174
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,528/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,930
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,519
−HK$598/mo
Today · 4.125%
HK$20,117
baseline
▲ 0.50% · 4.625%
HK$21,341
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,234/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,059
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,624
−HK$573/mo
Today · 4.125%
HK$22,197
baseline
▲ 0.50% · 4.625%
HK$23,367
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,394/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,699 · 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).