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$10,647
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,979
−HK$336/mo
Today · 4.125%
HK$11,315
baseline
▲ 0.50% · 4.625%
HK$12,004
+HK$689/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,630/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,845
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,163
−HK$322/mo
Today · 4.125%
HK$12,485
baseline
▲ 0.50% · 4.625%
HK$13,143
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,970/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,777
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,174
−HK$404/mo
Today · 4.125%
HK$13,578
baseline
▲ 0.50% · 4.625%
HK$14,404
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,156/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,214
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,595
−HK$387/mo
Today · 4.125%
HK$14,982
baseline
▲ 0.50% · 4.625%
HK$15,772
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,964/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,906
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,370
−HK$471/mo
Today · 4.125%
HK$15,841
baseline
▲ 0.50% · 4.625%
HK$16,805
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,682/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,583
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,028
−HK$451/mo
Today · 4.125%
HK$17,479
baseline
▲ 0.50% · 4.625%
HK$18,401
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,958/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,165
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,762
−HK$605/mo
Today · 4.125%
HK$20,367
baseline
▲ 0.50% · 4.625%
HK$21,607
+HK$1,240/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,734/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,443 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,321
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,893
−HK$580/mo
Today · 4.125%
HK$22,473
baseline
▲ 0.50% · 4.625%
HK$23,658
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,946/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,443 · 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).