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$10,468
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,794
−HK$330/mo
Today · 4.125%
HK$11,124
baseline
▲ 0.50% · 4.625%
HK$11,801
+HK$677/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,248/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,645
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,958
−HK$317/mo
Today · 4.125%
HK$12,275
baseline
▲ 0.50% · 4.625%
HK$12,922
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,550/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,562
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,952
−HK$397/mo
Today · 4.125%
HK$13,349
baseline
▲ 0.50% · 4.625%
HK$14,162
+HK$813/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,698/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,975
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,349
−HK$381/mo
Today · 4.125%
HK$14,730
baseline
▲ 0.50% · 4.625%
HK$15,506
+HK$776/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,460/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,655
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,111
−HK$463/mo
Today · 4.125%
HK$15,574
baseline
▲ 0.50% · 4.625%
HK$16,522
+HK$948/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,148/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,304
−HK$881/mo
▼ 0.25% · 3.875%
HK$16,741
−HK$444/mo
Today · 4.125%
HK$17,185
baseline
▲ 0.50% · 4.625%
HK$18,090
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,370/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,842
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,428
−HK$596/mo
Today · 4.125%
HK$20,024
baseline
▲ 0.50% · 4.625%
HK$21,242
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,048/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,962
−HK$1,132/mo
▼ 0.25% · 3.875%
HK$21,524
−HK$570/mo
Today · 4.125%
HK$22,094
baseline
▲ 0.50% · 4.625%
HK$23,259
+HK$1,165/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,188/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,570 · 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).