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$10,487
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,814
−HK$331/mo
Today · 4.125%
HK$11,145
baseline
▲ 0.50% · 4.625%
HK$11,823
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,290/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,667
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,980
−HK$317/mo
Today · 4.125%
HK$12,297
baseline
▲ 0.50% · 4.625%
HK$12,946
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,594/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,585
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,976
−HK$398/mo
Today · 4.125%
HK$13,374
baseline
▲ 0.50% · 4.625%
HK$14,188
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,748/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,000
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,376
−HK$381/mo
Today · 4.125%
HK$14,757
baseline
▲ 0.50% · 4.625%
HK$15,535
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,514/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,682
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,139
−HK$464/mo
Today · 4.125%
HK$15,603
baseline
▲ 0.50% · 4.625%
HK$16,552
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,206/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,334
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,772
−HK$444/mo
Today · 4.125%
HK$17,216
baseline
▲ 0.50% · 4.625%
HK$18,124
+HK$908/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,432/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,877
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,464
−HK$597/mo
Today · 4.125%
HK$20,061
baseline
▲ 0.50% · 4.625%
HK$21,282
+HK$1,221/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,122/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,001
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,564
−HK$571/mo
Today · 4.125%
HK$22,135
baseline
▲ 0.50% · 4.625%
HK$23,302
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,270/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,418 · 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).