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$10,631
−HK$667/mo
▼ 0.25% · 3.875%
HK$10,962
−HK$336/mo
Today · 4.125%
HK$11,298
baseline
▲ 0.50% · 4.625%
HK$11,985
+HK$687/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,596/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,827
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,144
−HK$322/mo
Today · 4.125%
HK$12,466
baseline
▲ 0.50% · 4.625%
HK$13,123
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,932/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,757
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,154
−HK$403/mo
Today · 4.125%
HK$13,557
baseline
▲ 0.50% · 4.625%
HK$14,382
+HK$825/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,114/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,192
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,573
−HK$386/mo
Today · 4.125%
HK$14,959
baseline
▲ 0.50% · 4.625%
HK$15,748
+HK$789/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,918/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,884
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,346
−HK$471/mo
Today · 4.125%
HK$15,817
baseline
▲ 0.50% · 4.625%
HK$16,779
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,634/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,558
−HK$894/mo
▼ 0.25% · 3.875%
HK$17,002
−HK$450/mo
Today · 4.125%
HK$17,452
baseline
▲ 0.50% · 4.625%
HK$18,372
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,904/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,136
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,731
−HK$605/mo
Today · 4.125%
HK$20,336
baseline
▲ 0.50% · 4.625%
HK$21,573
+HK$1,237/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$40,672/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,724 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,289
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,860
−HK$579/mo
Today · 4.125%
HK$22,439
baseline
▲ 0.50% · 4.625%
HK$23,621
+HK$1,182/mo
Deposit HK$466K · loan HK$4.20M · min. income ≈ HK$44,878/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,724 · 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).