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$10,536
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,863
−HK$333/mo
Today · 4.125%
HK$11,196
baseline
▲ 0.50% · 4.625%
HK$11,878
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,392/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,721
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,035
−HK$319/mo
Today · 4.125%
HK$12,354
baseline
▲ 0.50% · 4.625%
HK$13,005
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,708/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,643
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,036
−HK$400/mo
Today · 4.125%
HK$13,436
baseline
▲ 0.50% · 4.625%
HK$14,253
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,872/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,065
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,442
−HK$383/mo
Today · 4.125%
HK$14,825
baseline
▲ 0.50% · 4.625%
HK$15,606
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,650/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,750
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,209
−HK$466/mo
Today · 4.125%
HK$15,675
baseline
▲ 0.50% · 4.625%
HK$16,629
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,350/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,409
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,849
−HK$447/mo
Today · 4.125%
HK$17,296
baseline
▲ 0.50% · 4.625%
HK$18,207
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,592/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,964
−HK$1,190/mo
▼ 0.25% · 3.875%
HK$19,554
−HK$600/mo
Today · 4.125%
HK$20,154
baseline
▲ 0.50% · 4.625%
HK$21,380
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,308/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,098
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,663
−HK$574/mo
Today · 4.125%
HK$22,237
baseline
▲ 0.50% · 4.625%
HK$23,410
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,474/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,541 · 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).