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$10,502
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,828
−HK$332/mo
Today · 4.125%
HK$11,160
baseline
▲ 0.50% · 4.625%
HK$11,839
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,320/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,683
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$318/mo
Today · 4.125%
HK$12,314
baseline
▲ 0.50% · 4.625%
HK$12,963
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,628/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,602
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,994
−HK$398/mo
Today · 4.125%
HK$13,392
baseline
▲ 0.50% · 4.625%
HK$14,207
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,784/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,020
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,396
−HK$381/mo
Today · 4.125%
HK$14,777
baseline
▲ 0.50% · 4.625%
HK$15,556
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,554/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,702
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,160
−HK$464/mo
Today · 4.125%
HK$15,624
baseline
▲ 0.50% · 4.625%
HK$16,575
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,248/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,356
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,795
−HK$445/mo
Today · 4.125%
HK$17,240
baseline
▲ 0.50% · 4.625%
HK$18,149
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,480/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,903
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,491
−HK$597/mo
Today · 4.125%
HK$20,088
baseline
▲ 0.50% · 4.625%
HK$21,311
+HK$1,223/mo
Deposit HK$461K · loan HK$4.14M · min. income ≈ HK$40,176/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,029
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,593
−HK$573/mo
Today · 4.125%
HK$22,166
baseline
▲ 0.50% · 4.625%
HK$23,334
+HK$1,168/mo
Deposit HK$461K · loan HK$4.14M · min. income ≈ HK$44,332/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,049 · 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).