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$10,481
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,807
−HK$332/mo
Today · 4.125%
HK$11,139
baseline
▲ 0.50% · 4.625%
HK$11,817
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,278/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,661
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,973
−HK$318/mo
Today · 4.125%
HK$12,291
baseline
▲ 0.50% · 4.625%
HK$12,938
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,582/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,578
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,969
−HK$397/mo
Today · 4.125%
HK$13,366
baseline
▲ 0.50% · 4.625%
HK$14,180
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,732/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,993
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,368
−HK$381/mo
Today · 4.125%
HK$14,749
baseline
▲ 0.50% · 4.625%
HK$15,526
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,498/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,674
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,130
−HK$464/mo
Today · 4.125%
HK$15,594
baseline
▲ 0.50% · 4.625%
HK$16,543
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,188/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,325
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,763
−HK$444/mo
Today · 4.125%
HK$17,207
baseline
▲ 0.50% · 4.625%
HK$18,114
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,414/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,867
−HK$1,183/mo
▼ 0.25% · 3.875%
HK$19,453
−HK$597/mo
Today · 4.125%
HK$20,050
baseline
▲ 0.50% · 4.625%
HK$21,270
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,100/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,162 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,989
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,552
−HK$571/mo
Today · 4.125%
HK$22,123
baseline
▲ 0.50% · 4.625%
HK$23,289
+HK$1,166/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,246/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,162 · 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).