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$10,558
−HK$662/mo
▼ 0.25% · 3.875%
HK$10,886
−HK$334/mo
Today · 4.125%
HK$11,220
baseline
▲ 0.50% · 4.625%
HK$11,903
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,440/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,746
−HK$634/mo
▼ 0.25% · 3.875%
HK$12,061
−HK$319/mo
Today · 4.125%
HK$12,380
baseline
▲ 0.50% · 4.625%
HK$13,033
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,760/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,670
−HK$794/mo
▼ 0.25% · 3.875%
HK$13,064
−HK$400/mo
Today · 4.125%
HK$13,464
baseline
▲ 0.50% · 4.625%
HK$14,283
+HK$819/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,928/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,095
−HK$761/mo
▼ 0.25% · 3.875%
HK$14,473
−HK$383/mo
Today · 4.125%
HK$14,856
baseline
▲ 0.50% · 4.625%
HK$15,639
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,712/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,781
−HK$927/mo
▼ 0.25% · 3.875%
HK$15,241
−HK$467/mo
Today · 4.125%
HK$15,708
baseline
▲ 0.50% · 4.625%
HK$16,664
+HK$956/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,416/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,444
−HK$888/mo
▼ 0.25% · 3.875%
HK$16,885
−HK$447/mo
Today · 4.125%
HK$17,332
baseline
▲ 0.50% · 4.625%
HK$18,246
+HK$914/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,664/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,004
−HK$1,192/mo
▼ 0.25% · 3.875%
HK$19,595
−HK$601/mo
Today · 4.125%
HK$20,196
baseline
▲ 0.50% · 4.625%
HK$21,425
+HK$1,229/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,392/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,517 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,142
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$21,709
−HK$575/mo
Today · 4.125%
HK$22,284
baseline
▲ 0.50% · 4.625%
HK$23,459
+HK$1,175/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,568/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,517 · 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).