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$10,499
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,825
−HK$332/mo
Today · 4.125%
HK$11,157
baseline
▲ 0.50% · 4.625%
HK$11,836
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,314/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,679
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,993
−HK$317/mo
Today · 4.125%
HK$12,310
baseline
▲ 0.50% · 4.625%
HK$12,959
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,620/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,598
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,990
−HK$398/mo
Today · 4.125%
HK$13,388
baseline
▲ 0.50% · 4.625%
HK$14,203
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,776/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,015
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,391
−HK$382/mo
Today · 4.125%
HK$14,773
baseline
▲ 0.50% · 4.625%
HK$15,551
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,546/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,698
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,155
−HK$465/mo
Today · 4.125%
HK$15,620
baseline
▲ 0.50% · 4.625%
HK$16,570
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,240/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,351
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,790
−HK$445/mo
Today · 4.125%
HK$17,235
baseline
▲ 0.50% · 4.625%
HK$18,143
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,470/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,897
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,485
−HK$597/mo
Today · 4.125%
HK$20,082
baseline
▲ 0.50% · 4.625%
HK$21,304
+HK$1,222/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,164/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,023
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,587
−HK$572/mo
Today · 4.125%
HK$22,159
baseline
▲ 0.50% · 4.625%
HK$23,327
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,318/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,910 · 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).