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$10,494
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,820
−HK$332/mo
Today · 4.125%
HK$11,152
baseline
▲ 0.50% · 4.625%
HK$11,831
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,304/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,674
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,988
−HK$317/mo
Today · 4.125%
HK$12,305
baseline
▲ 0.50% · 4.625%
HK$12,954
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,610/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,593
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,985
−HK$398/mo
Today · 4.125%
HK$13,383
baseline
▲ 0.50% · 4.625%
HK$14,197
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,766/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,009
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,385
−HK$381/mo
Today · 4.125%
HK$14,766
baseline
▲ 0.50% · 4.625%
HK$15,545
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,532/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,692
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,149
−HK$464/mo
Today · 4.125%
HK$15,613
baseline
▲ 0.50% · 4.625%
HK$16,563
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,226/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,344
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,783
−HK$444/mo
Today · 4.125%
HK$17,227
baseline
▲ 0.50% · 4.625%
HK$18,135
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,454/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,889
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,477
−HK$597/mo
Today · 4.125%
HK$20,074
baseline
▲ 0.50% · 4.625%
HK$21,295
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,148/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,713 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,014
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,578
−HK$571/mo
Today · 4.125%
HK$22,149
baseline
▲ 0.50% · 4.625%
HK$23,317
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,298/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,713 · 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).