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$10,492
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,818
−HK$332/mo
Today · 4.125%
HK$11,150
baseline
▲ 0.50% · 4.625%
HK$11,828
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,300/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,672
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,985
−HK$318/mo
Today · 4.125%
HK$12,303
baseline
▲ 0.50% · 4.625%
HK$12,951
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,606/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,590
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,982
−HK$398/mo
Today · 4.125%
HK$13,380
baseline
▲ 0.50% · 4.625%
HK$14,194
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,760/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,007
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,382
−HK$381/mo
Today · 4.125%
HK$14,763
baseline
▲ 0.50% · 4.625%
HK$15,541
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,526/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,689
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,146
−HK$464/mo
Today · 4.125%
HK$15,610
baseline
▲ 0.50% · 4.625%
HK$16,560
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,220/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,341
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,779
−HK$445/mo
Today · 4.125%
HK$17,224
baseline
▲ 0.50% · 4.625%
HK$18,132
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,448/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,885
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,473
−HK$597/mo
Today · 4.125%
HK$20,070
baseline
▲ 0.50% · 4.625%
HK$21,291
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,140/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,010
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,573
−HK$572/mo
Today · 4.125%
HK$22,145
baseline
▲ 0.50% · 4.625%
HK$23,312
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,290/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,619 · 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).