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$10,569
−HK$663/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$81,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,758
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,074
−HK$319/mo
Today · 4.125%
HK$12,393
baseline
▲ 0.50% · 4.625%
HK$13,047
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,786/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,683
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,078
−HK$400/mo
Today · 4.125%
HK$13,478
baseline
▲ 0.50% · 4.625%
HK$14,299
+HK$821/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,956/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,110
−HK$762/mo
▼ 0.25% · 3.875%
HK$14,488
−HK$384/mo
Today · 4.125%
HK$14,872
baseline
▲ 0.50% · 4.625%
HK$15,656
+HK$784/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,744/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,797
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,257
−HK$468/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$81,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,461
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,903
−HK$448/mo
Today · 4.125%
HK$17,351
baseline
▲ 0.50% · 4.625%
HK$18,265
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,702/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,025
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,616
−HK$602/mo
Today · 4.125%
HK$20,218
baseline
▲ 0.50% · 4.625%
HK$21,448
+HK$1,230/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$81,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,165
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,732
−HK$576/mo
Today · 4.125%
HK$22,308
baseline
▲ 0.50% · 4.625%
HK$23,484
+HK$1,176/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,616/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,013 · 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).