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$10,539
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,867
−HK$333/mo
Today · 4.125%
HK$11,200
baseline
▲ 0.50% · 4.625%
HK$11,881
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,400/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,725
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,039
−HK$319/mo
Today · 4.125%
HK$12,358
baseline
▲ 0.50% · 4.625%
HK$13,009
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,716/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,647
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,040
−HK$400/mo
Today · 4.125%
HK$13,440
baseline
▲ 0.50% · 4.625%
HK$14,258
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,880/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,069
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,447
−HK$383/mo
Today · 4.125%
HK$14,830
baseline
▲ 0.50% · 4.625%
HK$15,611
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,660/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,755
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,214
−HK$466/mo
Today · 4.125%
HK$15,680
baseline
▲ 0.50% · 4.625%
HK$16,634
+HK$954/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,360/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,414
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,855
−HK$446/mo
Today · 4.125%
HK$17,301
baseline
▲ 0.50% · 4.625%
HK$18,213
+HK$912/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,602/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,970
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,560
−HK$600/mo
Today · 4.125%
HK$20,160
baseline
▲ 0.50% · 4.625%
HK$21,386
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,320/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,104
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,670
−HK$574/mo
Today · 4.125%
HK$22,244
baseline
▲ 0.50% · 4.625%
HK$23,417
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,488/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,684 · 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).