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$10,537
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,864
−HK$333/mo
Today · 4.125%
HK$11,197
baseline
▲ 0.50% · 4.625%
HK$11,879
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,394/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,722
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,036
−HK$319/mo
Today · 4.125%
HK$12,355
baseline
▲ 0.50% · 4.625%
HK$13,006
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,710/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,644
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,037
−HK$400/mo
Today · 4.125%
HK$13,437
baseline
▲ 0.50% · 4.625%
HK$14,254
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,874/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,066
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,444
−HK$382/mo
Today · 4.125%
HK$14,826
baseline
▲ 0.50% · 4.625%
HK$15,608
+HK$782/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,652/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,751
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,210
−HK$466/mo
Today · 4.125%
HK$15,676
baseline
▲ 0.50% · 4.625%
HK$16,630
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,352/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,411
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,851
−HK$446/mo
Today · 4.125%
HK$17,297
baseline
▲ 0.50% · 4.625%
HK$18,209
+HK$912/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,594/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,966
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,556
−HK$599/mo
Today · 4.125%
HK$20,155
baseline
▲ 0.50% · 4.625%
HK$21,382
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,310/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,581 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,099
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,665
−HK$574/mo
Today · 4.125%
HK$22,239
baseline
▲ 0.50% · 4.625%
HK$23,412
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,478/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,581 · 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).