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$10,486
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,813
−HK$331/mo
Today · 4.125%
HK$11,144
baseline
▲ 0.50% · 4.625%
HK$11,822
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,288/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,666
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,979
−HK$317/mo
Today · 4.125%
HK$12,296
baseline
▲ 0.50% · 4.625%
HK$12,944
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,592/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,584
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,975
−HK$398/mo
Today · 4.125%
HK$13,373
baseline
▲ 0.50% · 4.625%
HK$14,186
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,746/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,999
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,375
−HK$380/mo
Today · 4.125%
HK$14,755
baseline
▲ 0.50% · 4.625%
HK$15,533
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,510/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,681
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,138
−HK$464/mo
Today · 4.125%
HK$15,602
baseline
▲ 0.50% · 4.625%
HK$16,551
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,204/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,332
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,770
−HK$445/mo
Today · 4.125%
HK$17,215
baseline
▲ 0.50% · 4.625%
HK$18,122
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,430/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,875
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,463
−HK$596/mo
Today · 4.125%
HK$20,059
baseline
▲ 0.50% · 4.625%
HK$21,280
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,118/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,999
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,562
−HK$571/mo
Today · 4.125%
HK$22,133
baseline
▲ 0.50% · 4.625%
HK$23,300
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,266/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,377 · 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).