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$10,490
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,816
−HK$331/mo
Today · 4.125%
HK$11,147
baseline
▲ 0.50% · 4.625%
HK$11,826
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,294/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,669
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,982
−HK$318/mo
Today · 4.125%
HK$12,300
baseline
▲ 0.50% · 4.625%
HK$12,948
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,600/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,587
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,979
−HK$398/mo
Today · 4.125%
HK$13,377
baseline
▲ 0.50% · 4.625%
HK$14,191
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,754/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,003
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,379
−HK$381/mo
Today · 4.125%
HK$14,760
baseline
▲ 0.50% · 4.625%
HK$15,538
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,520/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,685
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,142
−HK$464/mo
Today · 4.125%
HK$15,606
baseline
▲ 0.50% · 4.625%
HK$16,556
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,212/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,337
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,775
−HK$445/mo
Today · 4.125%
HK$17,220
baseline
▲ 0.50% · 4.625%
HK$18,128
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,440/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,881
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,468
−HK$597/mo
Today · 4.125%
HK$20,065
baseline
▲ 0.50% · 4.625%
HK$21,286
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,130/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,515 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,005
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,568
−HK$572/mo
Today · 4.125%
HK$22,140
baseline
▲ 0.50% · 4.625%
HK$23,307
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,280/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,515 · 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).