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$10,597
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,926
−HK$335/mo
Today · 4.125%
HK$11,261
baseline
▲ 0.50% · 4.625%
HK$11,946
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,522/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,789
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,105
−HK$321/mo
Today · 4.125%
HK$12,426
baseline
▲ 0.50% · 4.625%
HK$13,081
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,852/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,716
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,111
−HK$402/mo
Today · 4.125%
HK$13,513
baseline
▲ 0.50% · 4.625%
HK$14,336
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,026/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,146
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,526
−HK$385/mo
Today · 4.125%
HK$14,911
baseline
▲ 0.50% · 4.625%
HK$15,697
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,822/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,835
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,297
−HK$469/mo
Today · 4.125%
HK$15,766
baseline
▲ 0.50% · 4.625%
HK$16,725
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,532/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,504
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,947
−HK$449/mo
Today · 4.125%
HK$17,396
baseline
▲ 0.50% · 4.625%
HK$18,313
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,792/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,074
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,667
−HK$603/mo
Today · 4.125%
HK$20,270
baseline
▲ 0.50% · 4.625%
HK$21,503
+HK$1,233/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,540/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,213 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,220
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,789
−HK$577/mo
Today · 4.125%
HK$22,366
baseline
▲ 0.50% · 4.625%
HK$23,545
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,732/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,213 · 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).