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$10,576
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,905
−HK$334/mo
Today · 4.125%
HK$11,239
baseline
▲ 0.50% · 4.625%
HK$11,923
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,478/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,765
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,081
−HK$320/mo
Today · 4.125%
HK$12,401
baseline
▲ 0.50% · 4.625%
HK$13,055
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,802/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,691
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,086
−HK$401/mo
Today · 4.125%
HK$13,487
baseline
▲ 0.50% · 4.625%
HK$14,307
+HK$820/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,974/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,118
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,497
−HK$384/mo
Today · 4.125%
HK$14,881
baseline
▲ 0.50% · 4.625%
HK$15,666
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,762/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,806
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,266
−HK$468/mo
Today · 4.125%
HK$15,734
baseline
▲ 0.50% · 4.625%
HK$16,692
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,468/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,471
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,913
−HK$448/mo
Today · 4.125%
HK$17,361
baseline
▲ 0.50% · 4.625%
HK$18,276
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,722/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,036
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,628
−HK$602/mo
Today · 4.125%
HK$20,230
baseline
▲ 0.50% · 4.625%
HK$21,461
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,460/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,178
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,746
−HK$576/mo
Today · 4.125%
HK$22,322
baseline
▲ 0.50% · 4.625%
HK$23,498
+HK$1,176/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,644/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,292 · 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).