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$10,473
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,799
−HK$331/mo
Today · 4.125%
HK$11,130
baseline
▲ 0.50% · 4.625%
HK$11,807
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,260/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,651
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,964
−HK$317/mo
Today · 4.125%
HK$12,281
baseline
▲ 0.50% · 4.625%
HK$12,928
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,562/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,568
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,959
−HK$397/mo
Today · 4.125%
HK$13,356
baseline
▲ 0.50% · 4.625%
HK$14,169
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,712/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,982
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,357
−HK$380/mo
Today · 4.125%
HK$14,737
baseline
▲ 0.50% · 4.625%
HK$15,514
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,474/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,663
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,119
−HK$463/mo
Today · 4.125%
HK$15,582
baseline
▲ 0.50% · 4.625%
HK$16,530
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,164/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,312
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,749
−HK$444/mo
Today · 4.125%
HK$17,193
baseline
▲ 0.50% · 4.625%
HK$18,100
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,386/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,852
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,438
−HK$596/mo
Today · 4.125%
HK$20,034
baseline
▲ 0.50% · 4.625%
HK$21,253
+HK$1,219/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,068/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,973
−HK$1,133/mo
▼ 0.25% · 3.875%
HK$21,535
−HK$571/mo
Today · 4.125%
HK$22,106
baseline
▲ 0.50% · 4.625%
HK$23,271
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,212/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,802 · 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).