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$10,606
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,936
−HK$335/mo
Today · 4.125%
HK$11,271
baseline
▲ 0.50% · 4.625%
HK$11,957
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,542/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,799
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,115
−HK$321/mo
Today · 4.125%
HK$12,436
baseline
▲ 0.50% · 4.625%
HK$13,092
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,872/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,727
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,123
−HK$402/mo
Today · 4.125%
HK$13,525
baseline
▲ 0.50% · 4.625%
HK$14,348
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,050/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,159
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,538
−HK$385/mo
Today · 4.125%
HK$14,923
baseline
▲ 0.50% · 4.625%
HK$15,710
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,846/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,848
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,310
−HK$469/mo
Today · 4.125%
HK$15,779
baseline
▲ 0.50% · 4.625%
HK$16,739
+HK$960/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,558/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,518
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,961
−HK$450/mo
Today · 4.125%
HK$17,411
baseline
▲ 0.50% · 4.625%
HK$18,328
+HK$917/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,822/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,090
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,684
−HK$603/mo
Today · 4.125%
HK$20,287
baseline
▲ 0.50% · 4.625%
HK$21,522
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,574/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,238
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,807
−HK$578/mo
Today · 4.125%
HK$22,385
baseline
▲ 0.50% · 4.625%
HK$23,565
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,770/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,612 · 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).