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$10,570
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,899
−HK$334/mo
Today · 4.125%
HK$11,233
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,466/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,759
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$320/mo
Today · 4.125%
HK$12,394
baseline
▲ 0.50% · 4.625%
HK$13,048
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,788/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,684
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,079
−HK$400/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,300
+HK$821/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,958/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,111
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$384/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,746/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,798
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$468/mo
Today · 4.125%
HK$15,726
baseline
▲ 0.50% · 4.625%
HK$16,683
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,452/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,463
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$448/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,267
+HK$915/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,026
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,618
−HK$601/mo
Today · 4.125%
HK$20,219
baseline
▲ 0.50% · 4.625%
HK$21,450
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,438/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,048 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,734
−HK$576/mo
Today · 4.125%
HK$22,310
baseline
▲ 0.50% · 4.625%
HK$23,486
+HK$1,176/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,620/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,048 · 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).