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$10,629
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,960
−HK$336/mo
Today · 4.125%
HK$11,296
baseline
▲ 0.50% · 4.625%
HK$11,983
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,592/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,825
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,142
−HK$322/mo
Today · 4.125%
HK$12,464
baseline
▲ 0.50% · 4.625%
HK$13,121
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,928/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,755
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,152
−HK$403/mo
Today · 4.125%
HK$13,555
baseline
▲ 0.50% · 4.625%
HK$14,380
+HK$825/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,110/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,190
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,571
−HK$386/mo
Today · 4.125%
HK$14,957
baseline
▲ 0.50% · 4.625%
HK$15,745
+HK$788/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,914/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,881
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,344
−HK$470/mo
Today · 4.125%
HK$15,814
baseline
▲ 0.50% · 4.625%
HK$16,776
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,628/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,555
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,999
−HK$450/mo
Today · 4.125%
HK$17,449
baseline
▲ 0.50% · 4.625%
HK$18,369
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,898/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,133
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,728
−HK$605/mo
Today · 4.125%
HK$20,333
baseline
▲ 0.50% · 4.625%
HK$21,570
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,666/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,645 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,285
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,856
−HK$579/mo
Today · 4.125%
HK$22,435
baseline
▲ 0.50% · 4.625%
HK$23,618
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,870/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,645 · 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).