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$10,538
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,865
−HK$333/mo
Today · 4.125%
HK$11,198
baseline
▲ 0.50% · 4.625%
HK$11,880
+HK$682/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,396/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,723
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,037
−HK$319/mo
Today · 4.125%
HK$12,356
baseline
▲ 0.50% · 4.625%
HK$13,008
+HK$652/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,712/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,645
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,038
−HK$400/mo
Today · 4.125%
HK$13,438
baseline
▲ 0.50% · 4.625%
HK$14,256
+HK$818/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,876/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,068
−HK$760/mo
▼ 0.25% · 3.875%
HK$14,445
−HK$383/mo
Today · 4.125%
HK$14,828
baseline
▲ 0.50% · 4.625%
HK$15,609
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,656/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,753
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,211
−HK$467/mo
Today · 4.125%
HK$15,678
baseline
▲ 0.50% · 4.625%
HK$16,632
+HK$954/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,356/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,412
−HK$887/mo
▼ 0.25% · 3.875%
HK$16,852
−HK$447/mo
Today · 4.125%
HK$17,299
baseline
▲ 0.50% · 4.625%
HK$18,211
+HK$912/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,598/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$79,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,968
−HK$1,189/mo
▼ 0.25% · 3.875%
HK$19,558
−HK$599/mo
Today · 4.125%
HK$20,157
baseline
▲ 0.50% · 4.625%
HK$21,384
+HK$1,227/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,314/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,623 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,101
−HK$1,140/mo
▼ 0.25% · 3.875%
HK$21,667
−HK$574/mo
Today · 4.125%
HK$22,241
baseline
▲ 0.50% · 4.625%
HK$23,414
+HK$1,173/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,482/mo (50% DSR)
Upfront cash ≈ HK$542K (deposit + AVD stamp duty HK$79,623 · 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).