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$10,513
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,840
−HK$333/mo
Today · 4.125%
HK$11,173
baseline
▲ 0.50% · 4.625%
HK$11,853
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,346/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,696
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,010
−HK$318/mo
Today · 4.125%
HK$12,328
baseline
▲ 0.50% · 4.625%
HK$12,978
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,656/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,616
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,009
−HK$398/mo
Today · 4.125%
HK$13,407
baseline
▲ 0.50% · 4.625%
HK$14,223
+HK$816/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,814/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,035
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,412
−HK$382/mo
Today · 4.125%
HK$14,794
baseline
▲ 0.50% · 4.625%
HK$15,573
+HK$779/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,588/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,719
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,177
−HK$465/mo
Today · 4.125%
HK$15,642
baseline
▲ 0.50% · 4.625%
HK$16,594
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,284/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,375
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,814
−HK$445/mo
Today · 4.125%
HK$17,259
baseline
▲ 0.50% · 4.625%
HK$18,169
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,518/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,924
−HK$1,187/mo
▼ 0.25% · 3.875%
HK$19,513
−HK$598/mo
Today · 4.125%
HK$20,111
baseline
▲ 0.50% · 4.625%
HK$21,335
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,222/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,564 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,053
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,618
−HK$572/mo
Today · 4.125%
HK$22,190
baseline
▲ 0.50% · 4.625%
HK$23,360
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,380/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,564 · 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).