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$10,559
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,887
−HK$334/mo
Today · 4.125%
HK$11,221
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$682/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,442/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,746
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$320/mo
Today · 4.125%
HK$12,381
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$652/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,762/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,670
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,064
−HK$401/mo
Today · 4.125%
HK$13,465
baseline
▲ 0.50% · 4.625%
HK$14,284
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,930/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,095
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,474
−HK$383/mo
Today · 4.125%
HK$14,857
baseline
▲ 0.50% · 4.625%
HK$15,640
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,714/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,782
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,242
−HK$467/mo
Today · 4.125%
HK$15,709
baseline
▲ 0.50% · 4.625%
HK$16,665
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,418/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,445
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,886
−HK$447/mo
Today · 4.125%
HK$17,333
baseline
▲ 0.50% · 4.625%
HK$18,247
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,666/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,005
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,596
−HK$601/mo
Today · 4.125%
HK$20,197
baseline
▲ 0.50% · 4.625%
HK$21,426
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,394/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,143
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,710
−HK$576/mo
Today · 4.125%
HK$22,286
baseline
▲ 0.50% · 4.625%
HK$23,460
+HK$1,174/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,572/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,541 · 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).