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$10,468
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,794
−HK$331/mo
Today · 4.125%
HK$11,125
baseline
▲ 0.50% · 4.625%
HK$11,802
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,250/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,646
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,958
−HK$317/mo
Today · 4.125%
HK$12,275
baseline
▲ 0.50% · 4.625%
HK$12,922
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,550/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,562
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,953
−HK$397/mo
Today · 4.125%
HK$13,350
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,700/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,975
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,350
−HK$380/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,507
+HK$777/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,460/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,656
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,112
−HK$463/mo
Today · 4.125%
HK$15,575
baseline
▲ 0.50% · 4.625%
HK$16,522
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,150/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,304
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,742
−HK$443/mo
Today · 4.125%
HK$17,185
baseline
▲ 0.50% · 4.625%
HK$18,091
+HK$906/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,370/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,843
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,429
−HK$596/mo
Today · 4.125%
HK$20,025
baseline
▲ 0.50% · 4.625%
HK$21,243
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,050/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,963
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,525
−HK$570/mo
Today · 4.125%
HK$22,095
baseline
▲ 0.50% · 4.625%
HK$23,260
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,190/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,588 · 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).