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$10,556
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,884
−HK$333/mo
Today · 4.125%
HK$11,217
baseline
▲ 0.50% · 4.625%
HK$11,900
+HK$683/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,434/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,743
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,058
−HK$319/mo
Today · 4.125%
HK$12,377
baseline
▲ 0.50% · 4.625%
HK$13,030
+HK$653/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,754/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,667
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,061
−HK$400/mo
Today · 4.125%
HK$13,461
baseline
▲ 0.50% · 4.625%
HK$14,280
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,922/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,092
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,469
−HK$384/mo
Today · 4.125%
HK$14,853
baseline
▲ 0.50% · 4.625%
HK$15,636
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,706/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,778
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,237
−HK$467/mo
Today · 4.125%
HK$15,704
baseline
▲ 0.50% · 4.625%
HK$16,660
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,408/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,440
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,881
−HK$447/mo
Today · 4.125%
HK$17,328
baseline
▲ 0.50% · 4.625%
HK$18,242
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,656/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,000
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,591
−HK$600/mo
Today · 4.125%
HK$20,191
baseline
▲ 0.50% · 4.625%
HK$21,420
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,382/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,137
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,704
−HK$575/mo
Today · 4.125%
HK$22,279
baseline
▲ 0.50% · 4.625%
HK$23,454
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,558/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,411 · 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).