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$10,474
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,800
−HK$331/mo
Today · 4.125%
HK$11,131
baseline
▲ 0.50% · 4.625%
HK$11,808
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,262/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,652
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,965
−HK$317/mo
Today · 4.125%
HK$12,282
baseline
▲ 0.50% · 4.625%
HK$12,929
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,564/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,569
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,960
−HK$397/mo
Today · 4.125%
HK$13,357
baseline
▲ 0.50% · 4.625%
HK$14,170
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,714/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,983
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,358
−HK$380/mo
Today · 4.125%
HK$14,738
baseline
▲ 0.50% · 4.625%
HK$15,515
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,476/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,664
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,120
−HK$463/mo
Today · 4.125%
HK$15,583
baseline
▲ 0.50% · 4.625%
HK$16,532
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,166/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,313
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,751
−HK$444/mo
Today · 4.125%
HK$17,195
baseline
▲ 0.50% · 4.625%
HK$18,101
+HK$906/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,390/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,853
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,440
−HK$596/mo
Today · 4.125%
HK$20,036
baseline
▲ 0.50% · 4.625%
HK$21,255
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,072/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,974
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,537
−HK$570/mo
Today · 4.125%
HK$22,107
baseline
▲ 0.50% · 4.625%
HK$23,273
+HK$1,166/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,214/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,841 · 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).