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$10,570
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,898
−HK$334/mo
Today · 4.125%
HK$11,232
baseline
▲ 0.50% · 4.625%
HK$11,916
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,464/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,759
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$320/mo
Today · 4.125%
HK$12,394
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,788/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,684
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$401/mo
Today · 4.125%
HK$13,479
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,958/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,110
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,489
−HK$384/mo
Today · 4.125%
HK$14,873
baseline
▲ 0.50% · 4.625%
HK$15,657
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,746/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,798
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,258
−HK$467/mo
Today · 4.125%
HK$15,725
baseline
▲ 0.50% · 4.625%
HK$16,682
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,450/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,462
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,904
−HK$448/mo
Today · 4.125%
HK$17,352
baseline
▲ 0.50% · 4.625%
HK$18,266
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,704/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,025
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,617
−HK$601/mo
Today · 4.125%
HK$20,218
baseline
▲ 0.50% · 4.625%
HK$21,449
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,436/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,031 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,166
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,733
−HK$576/mo
Today · 4.125%
HK$22,309
baseline
▲ 0.50% · 4.625%
HK$23,485
+HK$1,176/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,618/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,031 · 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).