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$10,480
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,806
−HK$332/mo
Today · 4.125%
HK$11,138
baseline
▲ 0.50% · 4.625%
HK$11,815
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,276/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,659
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,972
−HK$317/mo
Today · 4.125%
HK$12,289
baseline
▲ 0.50% · 4.625%
HK$12,937
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,578/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,576
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,968
−HK$397/mo
Today · 4.125%
HK$13,365
baseline
▲ 0.50% · 4.625%
HK$14,178
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,730/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,991
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,366
−HK$381/mo
Today · 4.125%
HK$14,747
baseline
▲ 0.50% · 4.625%
HK$15,524
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,494/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,672
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,129
−HK$464/mo
Today · 4.125%
HK$15,593
baseline
▲ 0.50% · 4.625%
HK$16,541
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,186/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,323
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,761
−HK$444/mo
Today · 4.125%
HK$17,205
baseline
▲ 0.50% · 4.625%
HK$18,112
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,410/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,865
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,451
−HK$597/mo
Today · 4.125%
HK$20,048
baseline
▲ 0.50% · 4.625%
HK$21,267
+HK$1,219/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,096/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,112 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,987
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,550
−HK$571/mo
Today · 4.125%
HK$22,121
baseline
▲ 0.50% · 4.625%
HK$23,287
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,242/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,112 · 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).