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$10,548
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,876
−HK$333/mo
Today · 4.125%
HK$11,209
baseline
▲ 0.50% · 4.625%
HK$11,892
+HK$683/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,418/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,735
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,049
−HK$320/mo
Today · 4.125%
HK$12,369
baseline
▲ 0.50% · 4.625%
HK$13,021
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,738/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$80,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,658
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,051
−HK$400/mo
Today · 4.125%
HK$13,451
baseline
▲ 0.50% · 4.625%
HK$14,270
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,902/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,081
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,459
−HK$383/mo
Today · 4.125%
HK$14,842
baseline
▲ 0.50% · 4.625%
HK$15,625
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,684/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,767
−HK$926/mo
▼ 0.25% · 3.875%
HK$15,227
−HK$466/mo
Today · 4.125%
HK$15,693
baseline
▲ 0.50% · 4.625%
HK$16,648
+HK$955/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,386/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,428
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,869
−HK$447/mo
Today · 4.125%
HK$17,316
baseline
▲ 0.50% · 4.625%
HK$18,229
+HK$913/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,632/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,986
−HK$1,191/mo
▼ 0.25% · 3.875%
HK$19,577
−HK$600/mo
Today · 4.125%
HK$20,177
baseline
▲ 0.50% · 4.625%
HK$21,405
+HK$1,228/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$40,354/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,122
−HK$1,141/mo
▼ 0.25% · 3.875%
HK$21,689
−HK$574/mo
Today · 4.125%
HK$22,263
baseline
▲ 0.50% · 4.625%
HK$23,437
+HK$1,174/mo
Deposit HK$463K · loan HK$4.16M · min. income ≈ HK$44,526/mo (50% DSR)
Upfront cash ≈ HK$543K (deposit + AVD stamp duty HK$80,080 · 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).