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$10,597
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,927
−HK$335/mo
Today · 4.125%
HK$11,262
baseline
▲ 0.50% · 4.625%
HK$11,947
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,524/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,789
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$320/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,852/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,717
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,112
−HK$402/mo
Today · 4.125%
HK$13,514
baseline
▲ 0.50% · 4.625%
HK$14,337
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,028/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,147
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,527
−HK$385/mo
Today · 4.125%
HK$14,912
baseline
▲ 0.50% · 4.625%
HK$15,698
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,824/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,836
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,298
−HK$469/mo
Today · 4.125%
HK$15,767
baseline
▲ 0.50% · 4.625%
HK$16,726
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,534/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,505
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,948
−HK$449/mo
Today · 4.125%
HK$17,397
baseline
▲ 0.50% · 4.625%
HK$18,314
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,794/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,075
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,669
−HK$602/mo
Today · 4.125%
HK$20,271
baseline
▲ 0.50% · 4.625%
HK$21,505
+HK$1,234/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,542/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,244 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,221
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,790
−HK$578/mo
Today · 4.125%
HK$22,368
baseline
▲ 0.50% · 4.625%
HK$23,547
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,736/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,244 · 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).