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$10,496
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,822
−HK$332/mo
Today · 4.125%
HK$11,154
baseline
▲ 0.50% · 4.625%
HK$11,833
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,308/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,677
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,990
−HK$317/mo
Today · 4.125%
HK$12,307
baseline
▲ 0.50% · 4.625%
HK$12,956
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,614/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,595
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,987
−HK$398/mo
Today · 4.125%
HK$13,385
baseline
▲ 0.50% · 4.625%
HK$14,199
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,770/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,012
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,388
−HK$381/mo
Today · 4.125%
HK$14,769
baseline
▲ 0.50% · 4.625%
HK$15,547
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,538/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,694
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,151
−HK$465/mo
Today · 4.125%
HK$15,616
baseline
▲ 0.50% · 4.625%
HK$16,566
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,232/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,347
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,786
−HK$444/mo
Today · 4.125%
HK$17,230
baseline
▲ 0.50% · 4.625%
HK$18,139
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,460/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,893
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,480
−HK$597/mo
Today · 4.125%
HK$20,077
baseline
▲ 0.50% · 4.625%
HK$21,299
+HK$1,222/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,154/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,797 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,018
−HK$1,135/mo
▼ 0.25% · 3.875%
HK$21,582
−HK$571/mo
Today · 4.125%
HK$22,153
baseline
▲ 0.50% · 4.625%
HK$23,321
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,306/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,797 · 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).