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$10,648
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,979
−HK$337/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$12,004
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,632/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,846
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,163
−HK$323/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,144
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,972/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,777
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,175
−HK$404/mo
Today · 4.125%
HK$13,579
baseline
▲ 0.50% · 4.625%
HK$14,405
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,158/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,215
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,596
−HK$387/mo
Today · 4.125%
HK$14,983
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,966/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,907
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,371
−HK$471/mo
Today · 4.125%
HK$15,842
baseline
▲ 0.50% · 4.625%
HK$16,806
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,684/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,584
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,029
−HK$451/mo
Today · 4.125%
HK$17,480
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,960/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,166
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$606/mo
Today · 4.125%
HK$20,368
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,239/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,736/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,322
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,894
−HK$580/mo
Today · 4.125%
HK$22,474
baseline
▲ 0.50% · 4.625%
HK$23,659
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,948/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,457 · 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).