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$10,611
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,941
−HK$336/mo
Today · 4.125%
HK$11,277
baseline
▲ 0.50% · 4.625%
HK$11,963
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,554/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,805
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,121
−HK$322/mo
Today · 4.125%
HK$12,443
baseline
▲ 0.50% · 4.625%
HK$13,099
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,886/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,733
−HK$799/mo
▼ 0.25% · 3.875%
HK$13,130
−HK$402/mo
Today · 4.125%
HK$13,532
baseline
▲ 0.50% · 4.625%
HK$14,355
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,064/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,166
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,546
−HK$385/mo
Today · 4.125%
HK$14,931
baseline
▲ 0.50% · 4.625%
HK$15,718
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,862/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,856
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,318
−HK$469/mo
Today · 4.125%
HK$15,787
baseline
▲ 0.50% · 4.625%
HK$16,748
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,574/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,527
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,970
−HK$450/mo
Today · 4.125%
HK$17,420
baseline
▲ 0.50% · 4.625%
HK$18,338
+HK$918/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,840/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,100
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,694
−HK$604/mo
Today · 4.125%
HK$20,298
baseline
▲ 0.50% · 4.625%
HK$21,533
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,596/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,852 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,249
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,819
−HK$578/mo
Today · 4.125%
HK$22,397
baseline
▲ 0.50% · 4.625%
HK$23,577
+HK$1,180/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,794/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,852 · 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).