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$10,511
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,838
−HK$332/mo
Today · 4.125%
HK$11,170
baseline
▲ 0.50% · 4.625%
HK$11,849
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,340/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,693
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,007
−HK$318/mo
Today · 4.125%
HK$12,325
baseline
▲ 0.50% · 4.625%
HK$12,974
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,650/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,613
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,005
−HK$399/mo
Today · 4.125%
HK$13,404
baseline
▲ 0.50% · 4.625%
HK$14,219
+HK$815/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$26,808/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,032
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,408
−HK$382/mo
Today · 4.125%
HK$14,790
baseline
▲ 0.50% · 4.625%
HK$15,569
+HK$779/mo
Deposit HK$1.84M · loan HK$2.77M · min. income ≈ HK$29,580/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,715
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,173
−HK$465/mo
Today · 4.125%
HK$15,638
baseline
▲ 0.50% · 4.625%
HK$16,589
+HK$951/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,276/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,370
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,809
−HK$446/mo
Today · 4.125%
HK$17,255
baseline
▲ 0.50% · 4.625%
HK$18,164
+HK$909/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,510/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,919
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,508
−HK$597/mo
Today · 4.125%
HK$20,105
baseline
▲ 0.50% · 4.625%
HK$21,329
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,210/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,047
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,612
−HK$572/mo
Today · 4.125%
HK$22,184
baseline
▲ 0.50% · 4.625%
HK$23,354
+HK$1,170/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,368/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,439 · 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).