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$10,566
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,895
−HK$333/mo
Today · 4.125%
HK$11,228
baseline
▲ 0.50% · 4.625%
HK$11,912
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,456/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,754
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,070
−HK$319/mo
Today · 4.125%
HK$12,389
baseline
▲ 0.50% · 4.625%
HK$13,043
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,778/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,679
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,073
−HK$401/mo
Today · 4.125%
HK$13,474
baseline
▲ 0.50% · 4.625%
HK$14,294
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,948/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,105
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,484
−HK$383/mo
Today · 4.125%
HK$14,867
baseline
▲ 0.50% · 4.625%
HK$15,651
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,734/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,792
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,252
−HK$468/mo
Today · 4.125%
HK$15,720
baseline
▲ 0.50% · 4.625%
HK$16,676
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,440/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,456
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,898
−HK$447/mo
Today · 4.125%
HK$17,345
baseline
▲ 0.50% · 4.625%
HK$18,260
+HK$915/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,690/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,019
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,610
−HK$601/mo
Today · 4.125%
HK$20,211
baseline
▲ 0.50% · 4.625%
HK$21,441
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,422/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,863 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,158
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,725
−HK$576/mo
Today · 4.125%
HK$22,301
baseline
▲ 0.50% · 4.625%
HK$23,477
+HK$1,176/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,602/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,863 · 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).