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$10,489
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,815
−HK$332/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,825
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,294/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,669
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,982
−HK$317/mo
Today · 4.125%
HK$12,299
baseline
▲ 0.50% · 4.625%
HK$12,947
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,598/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,587
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,978
−HK$398/mo
Today · 4.125%
HK$13,376
baseline
▲ 0.50% · 4.625%
HK$14,190
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,752/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,002
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,378
−HK$381/mo
Today · 4.125%
HK$14,759
baseline
▲ 0.50% · 4.625%
HK$15,537
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,518/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,684
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,141
−HK$464/mo
Today · 4.125%
HK$15,605
baseline
▲ 0.50% · 4.625%
HK$16,555
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,210/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,336
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,774
−HK$445/mo
Today · 4.125%
HK$17,219
baseline
▲ 0.50% · 4.625%
HK$18,126
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,438/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,880
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,467
−HK$597/mo
Today · 4.125%
HK$20,064
baseline
▲ 0.50% · 4.625%
HK$21,285
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,128/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,004
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,567
−HK$571/mo
Today · 4.125%
HK$22,138
baseline
▲ 0.50% · 4.625%
HK$23,305
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,276/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,484 · 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).