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$10,460
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$330/mo
Today · 4.125%
HK$11,116
baseline
▲ 0.50% · 4.625%
HK$11,793
+HK$677/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,232/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,637
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,949
−HK$317/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$12,912
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,532/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,552
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$397/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,151
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,964
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,339
−HK$380/mo
Today · 4.125%
HK$14,719
baseline
▲ 0.50% · 4.625%
HK$15,495
+HK$776/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,438/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,645
−HK$918/mo
▼ 0.25% · 3.875%
HK$15,100
−HK$463/mo
Today · 4.125%
HK$15,563
baseline
▲ 0.50% · 4.625%
HK$16,510
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,126/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,292
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,729
−HK$443/mo
Today · 4.125%
HK$17,172
baseline
▲ 0.50% · 4.625%
HK$18,077
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,344/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,180/mo
▼ 0.25% · 3.875%
HK$19,414
−HK$595/mo
Today · 4.125%
HK$20,009
baseline
▲ 0.50% · 4.625%
HK$21,227
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,018/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,947
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,508
−HK$570/mo
Today · 4.125%
HK$22,078
baseline
▲ 0.50% · 4.625%
HK$23,242
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,156/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,237 · 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).