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$10,483
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,809
−HK$332/mo
Today · 4.125%
HK$11,141
baseline
▲ 0.50% · 4.625%
HK$11,819
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,282/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,663
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,975
−HK$318/mo
Today · 4.125%
HK$12,293
baseline
▲ 0.50% · 4.625%
HK$12,941
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,586/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,580
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,971
−HK$398/mo
Today · 4.125%
HK$13,369
baseline
▲ 0.50% · 4.625%
HK$14,182
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,738/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,995
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,371
−HK$380/mo
Today · 4.125%
HK$14,751
baseline
▲ 0.50% · 4.625%
HK$15,529
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,502/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,677
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,133
−HK$464/mo
Today · 4.125%
HK$15,597
baseline
▲ 0.50% · 4.625%
HK$16,546
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,194/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,328
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,766
−HK$444/mo
Today · 4.125%
HK$17,210
baseline
▲ 0.50% · 4.625%
HK$18,117
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,420/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,870
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,457
−HK$596/mo
Today · 4.125%
HK$20,053
baseline
▲ 0.50% · 4.625%
HK$21,274
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,106/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,246 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,993
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,556
−HK$571/mo
Today · 4.125%
HK$22,127
baseline
▲ 0.50% · 4.625%
HK$23,293
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,254/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,246 · 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).