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$10,592
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,922
−HK$334/mo
Today · 4.125%
HK$11,256
baseline
▲ 0.50% · 4.625%
HK$11,941
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,512/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$82,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,784
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,100
−HK$320/mo
Today · 4.125%
HK$12,420
baseline
▲ 0.50% · 4.625%
HK$13,075
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,840/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$82,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,710
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,106
−HK$401/mo
Today · 4.125%
HK$13,507
baseline
▲ 0.50% · 4.625%
HK$14,329
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,014/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,140
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,519
−HK$385/mo
Today · 4.125%
HK$14,904
baseline
▲ 0.50% · 4.625%
HK$15,690
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,808/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,829
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,290
−HK$469/mo
Today · 4.125%
HK$15,759
baseline
▲ 0.50% · 4.625%
HK$16,718
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,518/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,497
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,939
−HK$449/mo
Today · 4.125%
HK$17,388
baseline
▲ 0.50% · 4.625%
HK$18,305
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,776/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,066
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,659
−HK$602/mo
Today · 4.125%
HK$20,261
baseline
▲ 0.50% · 4.625%
HK$21,494
+HK$1,233/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,522/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,210
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,779
−HK$577/mo
Today · 4.125%
HK$22,356
baseline
▲ 0.50% · 4.625%
HK$23,535
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,712/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,011 · 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).