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$10,548
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$334/mo
Today · 4.125%
HK$11,210
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,420/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,735
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,050
−HK$319/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,021
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,658
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,052
−HK$400/mo
Today · 4.125%
HK$13,452
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$818/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,904/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,082
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$384/mo
Today · 4.125%
HK$14,843
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$782/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,686/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,768
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,227
−HK$467/mo
Today · 4.125%
HK$15,694
baseline
▲ 0.50% · 4.625%
HK$16,649
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,388/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,429
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$447/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,987
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$601/mo
Today · 4.125%
HK$20,178
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,227/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,356/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,092 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,123
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$575/mo
Today · 4.125%
HK$22,264
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,173/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,528/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,092 · 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).