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$10,632
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,963
−HK$336/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,986
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,598/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,828
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,145
−HK$322/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,124
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,934/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,758
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,155
−HK$403/mo
Today · 4.125%
HK$13,558
baseline
▲ 0.50% · 4.625%
HK$14,383
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,116/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,193
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,574
−HK$386/mo
Today · 4.125%
HK$14,960
baseline
▲ 0.50% · 4.625%
HK$15,749
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,920/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,885
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$470/mo
Today · 4.125%
HK$15,818
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$963/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,636/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,559
−HK$895/mo
▼ 0.25% · 3.875%
HK$17,003
−HK$451/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,374
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,137
−HK$1,201/mo
▼ 0.25% · 3.875%
HK$19,733
−HK$605/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,575
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,290
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,861
−HK$579/mo
Today · 4.125%
HK$22,440
baseline
▲ 0.50% · 4.625%
HK$23,623
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,880/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,761 · 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).