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$10,615
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,945
−HK$335/mo
Today · 4.125%
HK$11,280
baseline
▲ 0.50% · 4.625%
HK$11,967
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,560/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,809
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,125
−HK$322/mo
Today · 4.125%
HK$12,447
baseline
▲ 0.50% · 4.625%
HK$13,103
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,894/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,738
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,134
−HK$402/mo
Today · 4.125%
HK$13,536
baseline
▲ 0.50% · 4.625%
HK$14,360
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,072/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,171
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,551
−HK$385/mo
Today · 4.125%
HK$14,936
baseline
▲ 0.50% · 4.625%
HK$15,723
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,872/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,861
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,323
−HK$469/mo
Today · 4.125%
HK$15,792
baseline
▲ 0.50% · 4.625%
HK$16,753
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,584/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,532
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,976
−HK$449/mo
Today · 4.125%
HK$17,425
baseline
▲ 0.50% · 4.625%
HK$18,344
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,850/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,106
−HK$1,199/mo
▼ 0.25% · 3.875%
HK$19,701
−HK$604/mo
Today · 4.125%
HK$20,305
baseline
▲ 0.50% · 4.625%
HK$21,540
+HK$1,235/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,610/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,005 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,256
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,826
−HK$578/mo
Today · 4.125%
HK$22,404
baseline
▲ 0.50% · 4.625%
HK$23,585
+HK$1,181/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,808/mo (50% DSR)
Upfront cash ≈ HK$549K (deposit + AVD stamp duty HK$83,005 · 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).