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$10,652
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,984
−HK$336/mo
Today · 4.125%
HK$11,320
baseline
▲ 0.50% · 4.625%
HK$12,009
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,640/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,851
−HK$640/mo
▼ 0.25% · 3.875%
HK$12,168
−HK$323/mo
Today · 4.125%
HK$12,491
baseline
▲ 0.50% · 4.625%
HK$13,149
+HK$658/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,982/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,783
−HK$801/mo
▼ 0.25% · 3.875%
HK$13,180
−HK$404/mo
Today · 4.125%
HK$13,584
baseline
▲ 0.50% · 4.625%
HK$14,411
+HK$827/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,168/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,221
−HK$768/mo
▼ 0.25% · 3.875%
HK$14,602
−HK$387/mo
Today · 4.125%
HK$14,989
baseline
▲ 0.50% · 4.625%
HK$15,779
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,978/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,913
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,377
−HK$471/mo
Today · 4.125%
HK$15,848
baseline
▲ 0.50% · 4.625%
HK$16,813
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,696/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,591
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,036
−HK$451/mo
Today · 4.125%
HK$17,487
baseline
▲ 0.50% · 4.625%
HK$18,409
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,974/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,174
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,771
−HK$606/mo
Today · 4.125%
HK$20,377
baseline
▲ 0.50% · 4.625%
HK$21,617
+HK$1,240/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$40,754/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,331
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,903
−HK$581/mo
Today · 4.125%
HK$22,484
baseline
▲ 0.50% · 4.625%
HK$23,669
+HK$1,185/mo
Deposit HK$467K · loan HK$4.20M · min. income ≈ HK$44,968/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,657 · 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).