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$10,471
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,797
−HK$331/mo
Today · 4.125%
HK$11,128
baseline
▲ 0.50% · 4.625%
HK$11,805
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,256/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,649
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,962
−HK$317/mo
Today · 4.125%
HK$12,279
baseline
▲ 0.50% · 4.625%
HK$12,926
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,558/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,566
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,957
−HK$397/mo
Today · 4.125%
HK$13,354
baseline
▲ 0.50% · 4.625%
HK$14,166
+HK$812/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,708/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,979
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,354
−HK$381/mo
Today · 4.125%
HK$14,735
baseline
▲ 0.50% · 4.625%
HK$15,511
+HK$776/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,470/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,660
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,116
−HK$463/mo
Today · 4.125%
HK$15,579
baseline
▲ 0.50% · 4.625%
HK$16,527
+HK$948/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,158/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,309
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,747
−HK$443/mo
Today · 4.125%
HK$17,190
baseline
▲ 0.50% · 4.625%
HK$18,096
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,380/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,849
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,435
−HK$596/mo
Today · 4.125%
HK$20,031
baseline
▲ 0.50% · 4.625%
HK$21,249
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,062/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,969
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,531
−HK$571/mo
Today · 4.125%
HK$22,102
baseline
▲ 0.50% · 4.625%
HK$23,267
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,204/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,724 · 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).