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$10,522
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,849
−HK$333/mo
Today · 4.125%
HK$11,182
baseline
▲ 0.50% · 4.625%
HK$11,862
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,364/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,705
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,019
−HK$319/mo
Today · 4.125%
HK$12,338
baseline
▲ 0.50% · 4.625%
HK$12,988
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,676/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,626
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,019
−HK$399/mo
Today · 4.125%
HK$13,418
baseline
▲ 0.50% · 4.625%
HK$14,234
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,836/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,047
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,423
−HK$382/mo
Today · 4.125%
HK$14,805
baseline
▲ 0.50% · 4.625%
HK$15,586
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,610/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,731
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,189
−HK$465/mo
Today · 4.125%
HK$15,654
baseline
▲ 0.50% · 4.625%
HK$16,607
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,308/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,388
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,827
−HK$446/mo
Today · 4.125%
HK$17,273
baseline
▲ 0.50% · 4.625%
HK$18,183
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,546/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,939
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,528
−HK$599/mo
Today · 4.125%
HK$20,127
baseline
▲ 0.50% · 4.625%
HK$21,352
+HK$1,225/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,254/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,932 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,070
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,635
−HK$573/mo
Today · 4.125%
HK$22,208
baseline
▲ 0.50% · 4.625%
HK$23,379
+HK$1,171/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,416/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,932 · 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).