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$10,561
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,890
−HK$333/mo
Today · 4.125%
HK$11,223
baseline
▲ 0.50% · 4.625%
HK$11,906
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,446/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,749
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,064
−HK$320/mo
Today · 4.125%
HK$12,384
baseline
▲ 0.50% · 4.625%
HK$13,037
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,768/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,673
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,067
−HK$401/mo
Today · 4.125%
HK$13,468
baseline
▲ 0.50% · 4.625%
HK$14,287
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,936/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,099
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,477
−HK$384/mo
Today · 4.125%
HK$14,861
baseline
▲ 0.50% · 4.625%
HK$15,644
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,722/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,785
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,245
−HK$468/mo
Today · 4.125%
HK$15,713
baseline
▲ 0.50% · 4.625%
HK$16,669
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,426/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,449
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,890
−HK$447/mo
Today · 4.125%
HK$17,337
baseline
▲ 0.50% · 4.625%
HK$18,251
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,674/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,010
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,601
−HK$601/mo
Today · 4.125%
HK$20,202
baseline
▲ 0.50% · 4.625%
HK$21,431
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,404/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,148
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,716
−HK$575/mo
Today · 4.125%
HK$22,291
baseline
▲ 0.50% · 4.625%
HK$23,466
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,582/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,653 · 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).