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$10,632
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,963
−HK$336/mo
Today · 4.125%
HK$11,299
baseline
▲ 0.50% · 4.625%
HK$11,987
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,598/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,828
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,146
−HK$321/mo
Today · 4.125%
HK$12,467
baseline
▲ 0.50% · 4.625%
HK$13,125
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,934/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$83,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,759
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,156
−HK$403/mo
Today · 4.125%
HK$13,559
baseline
▲ 0.50% · 4.625%
HK$14,384
+HK$825/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,118/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,194
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,575
−HK$386/mo
Today · 4.125%
HK$14,961
baseline
▲ 0.50% · 4.625%
HK$15,750
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,922/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,885
−HK$934/mo
▼ 0.25% · 3.875%
HK$15,348
−HK$471/mo
Today · 4.125%
HK$15,819
baseline
▲ 0.50% · 4.625%
HK$16,781
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,638/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,560
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,004
−HK$450/mo
Today · 4.125%
HK$17,454
baseline
▲ 0.50% · 4.625%
HK$18,375
+HK$921/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,908/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,138
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,734
−HK$604/mo
Today · 4.125%
HK$20,338
baseline
▲ 0.50% · 4.625%
HK$21,576
+HK$1,238/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,676/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,291
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,862
−HK$579/mo
Today · 4.125%
HK$22,441
baseline
▲ 0.50% · 4.625%
HK$23,624
+HK$1,183/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,882/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,782 · 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).