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$10,602
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$335/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,952
+HK$686/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,532/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,794
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,111
−HK$320/mo
Today · 4.125%
HK$12,431
baseline
▲ 0.50% · 4.625%
HK$13,087
+HK$656/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,862/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,722
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,118
−HK$402/mo
Today · 4.125%
HK$13,520
baseline
▲ 0.50% · 4.625%
HK$14,342
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,040/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,153
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,533
−HK$385/mo
Today · 4.125%
HK$14,918
baseline
▲ 0.50% · 4.625%
HK$15,704
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,836/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,842
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,304
−HK$469/mo
Today · 4.125%
HK$15,773
baseline
▲ 0.50% · 4.625%
HK$16,733
+HK$960/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,546/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,512
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,955
−HK$449/mo
Today · 4.125%
HK$17,404
baseline
▲ 0.50% · 4.625%
HK$18,321
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,808/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,083
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,677
−HK$603/mo
Today · 4.125%
HK$20,280
baseline
▲ 0.50% · 4.625%
HK$21,514
+HK$1,234/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,560/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,431 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,230
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,799
−HK$578/mo
Today · 4.125%
HK$22,377
baseline
▲ 0.50% · 4.625%
HK$23,556
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,754/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,431 · 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).