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$10,628
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,958
−HK$336/mo
Today · 4.125%
HK$11,294
baseline
▲ 0.50% · 4.625%
HK$11,982
+HK$688/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,588/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,823
−HK$639/mo
▼ 0.25% · 3.875%
HK$12,140
−HK$322/mo
Today · 4.125%
HK$12,462
baseline
▲ 0.50% · 4.625%
HK$13,119
+HK$657/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,924/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$83,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,753
−HK$800/mo
▼ 0.25% · 3.875%
HK$13,150
−HK$403/mo
Today · 4.125%
HK$13,553
baseline
▲ 0.50% · 4.625%
HK$14,378
+HK$825/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$27,106/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,188
−HK$767/mo
▼ 0.25% · 3.875%
HK$14,569
−HK$386/mo
Today · 4.125%
HK$14,955
baseline
▲ 0.50% · 4.625%
HK$15,743
+HK$788/mo
Deposit HK$1.86M · loan HK$2.80M · min. income ≈ HK$29,910/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$83,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,879
−HK$933/mo
▼ 0.25% · 3.875%
HK$15,342
−HK$470/mo
Today · 4.125%
HK$15,812
baseline
▲ 0.50% · 4.625%
HK$16,774
+HK$962/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,624/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,553
−HK$894/mo
▼ 0.25% · 3.875%
HK$16,997
−HK$450/mo
Today · 4.125%
HK$17,447
baseline
▲ 0.50% · 4.625%
HK$18,367
+HK$920/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,894/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$83,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,130
−HK$1,200/mo
▼ 0.25% · 3.875%
HK$19,725
−HK$605/mo
Today · 4.125%
HK$20,330
baseline
▲ 0.50% · 4.625%
HK$21,567
+HK$1,237/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$40,660/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,282
−HK$1,150/mo
▼ 0.25% · 3.875%
HK$21,853
−HK$579/mo
Today · 4.125%
HK$22,432
baseline
▲ 0.50% · 4.625%
HK$23,614
+HK$1,182/mo
Deposit HK$466K · loan HK$4.19M · min. income ≈ HK$44,864/mo (50% DSR)
Upfront cash ≈ HK$550K (deposit + AVD stamp duty HK$83,581 · 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).