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$10,478
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,804
−HK$331/mo
Today · 4.125%
HK$11,135
baseline
▲ 0.50% · 4.625%
HK$11,813
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,270/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$77,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,657
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,969
−HK$318/mo
Today · 4.125%
HK$12,287
baseline
▲ 0.50% · 4.625%
HK$12,934
+HK$647/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,574/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$77,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,574
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,965
−HK$397/mo
Today · 4.125%
HK$13,362
baseline
▲ 0.50% · 4.625%
HK$14,175
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,724/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,988
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,363
−HK$381/mo
Today · 4.125%
HK$14,744
baseline
▲ 0.50% · 4.625%
HK$15,521
+HK$777/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,488/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,669
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,126
−HK$463/mo
Today · 4.125%
HK$15,589
baseline
▲ 0.50% · 4.625%
HK$16,538
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,178/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,319
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,757
−HK$444/mo
Today · 4.125%
HK$17,201
baseline
▲ 0.50% · 4.625%
HK$18,108
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,402/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,861
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,447
−HK$596/mo
Today · 4.125%
HK$20,043
baseline
▲ 0.50% · 4.625%
HK$21,263
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,086/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,982
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,545
−HK$571/mo
Today · 4.125%
HK$22,116
baseline
▲ 0.50% · 4.625%
HK$23,281
+HK$1,165/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,232/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,013 · 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).