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$10,648
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,980
−HK$336/mo
Today · 4.125%
HK$11,316
baseline
▲ 0.50% · 4.625%
HK$12,005
+HK$689/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,632/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,846
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,164
−HK$322/mo
Today · 4.125%
HK$12,486
baseline
▲ 0.50% · 4.625%
HK$13,144
+HK$658/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,972/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,778
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,176
−HK$403/mo
Today · 4.125%
HK$13,579
baseline
▲ 0.50% · 4.625%
HK$14,406
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,158/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,216
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,597
−HK$387/mo
Today · 4.125%
HK$14,984
baseline
▲ 0.50% · 4.625%
HK$15,773
+HK$789/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,968/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,908
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,372
−HK$471/mo
Today · 4.125%
HK$15,843
baseline
▲ 0.50% · 4.625%
HK$16,807
+HK$964/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,686/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,585
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,030
−HK$451/mo
Today · 4.125%
HK$17,481
baseline
▲ 0.50% · 4.625%
HK$18,402
+HK$921/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,962/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,167
−HK$1,202/mo
▼ 0.25% · 3.875%
HK$19,763
−HK$606/mo
Today · 4.125%
HK$20,369
baseline
▲ 0.50% · 4.625%
HK$21,609
+HK$1,240/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,738/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,484 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,323
−HK$1,152/mo
▼ 0.25% · 3.875%
HK$21,895
−HK$580/mo
Today · 4.125%
HK$22,475
baseline
▲ 0.50% · 4.625%
HK$23,660
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,950/mo (50% DSR)
Upfront cash ≈ HK$551K (deposit + AVD stamp duty HK$84,484 · 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).