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$10,530
−HK$661/mo
▼ 0.25% · 3.875%
HK$10,858
−HK$333/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,382/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,715
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,029
−HK$319/mo
Today · 4.125%
HK$12,348
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,696/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,636
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,029
−HK$400/mo
Today · 4.125%
HK$13,429
baseline
▲ 0.50% · 4.625%
HK$14,246
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,858/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,058
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,435
−HK$382/mo
Today · 4.125%
HK$14,817
baseline
▲ 0.50% · 4.625%
HK$15,598
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,634/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,742
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,201
−HK$466/mo
Today · 4.125%
HK$15,667
baseline
▲ 0.50% · 4.625%
HK$16,620
+HK$953/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,334/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,401
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,841
−HK$446/mo
Today · 4.125%
HK$17,287
baseline
▲ 0.50% · 4.625%
HK$18,198
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,574/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,955
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,544
−HK$599/mo
Today · 4.125%
HK$20,143
baseline
▲ 0.50% · 4.625%
HK$21,369
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,286/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,304 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,087
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,652
−HK$574/mo
Today · 4.125%
HK$22,226
baseline
▲ 0.50% · 4.625%
HK$23,398
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,452/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,304 · 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).