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$10,521
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,848
−HK$332/mo
Today · 4.125%
HK$11,180
baseline
▲ 0.50% · 4.625%
HK$11,861
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,360/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,704
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,018
−HK$318/mo
Today · 4.125%
HK$12,336
baseline
▲ 0.50% · 4.625%
HK$12,987
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,672/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,625
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,017
−HK$399/mo
Today · 4.125%
HK$13,416
baseline
▲ 0.50% · 4.625%
HK$14,233
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,832/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,045
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,421
−HK$383/mo
Today · 4.125%
HK$14,804
baseline
▲ 0.50% · 4.625%
HK$15,584
+HK$780/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,608/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,729
−HK$923/mo
▼ 0.25% · 3.875%
HK$15,187
−HK$465/mo
Today · 4.125%
HK$15,652
baseline
▲ 0.50% · 4.625%
HK$16,605
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,304/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,386
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,825
−HK$446/mo
Today · 4.125%
HK$17,271
baseline
▲ 0.50% · 4.625%
HK$18,181
+HK$910/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,542/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,937
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,526
−HK$599/mo
Today · 4.125%
HK$20,125
baseline
▲ 0.50% · 4.625%
HK$21,349
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,250/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,876 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,067
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,632
−HK$573/mo
Today · 4.125%
HK$22,205
baseline
▲ 0.50% · 4.625%
HK$23,376
+HK$1,171/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,410/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,876 · 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).