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$10,527
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,854
−HK$333/mo
Today · 4.125%
HK$11,187
baseline
▲ 0.50% · 4.625%
HK$11,867
+HK$680/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,374/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,711
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,025
−HK$318/mo
Today · 4.125%
HK$12,343
baseline
▲ 0.50% · 4.625%
HK$12,994
+HK$651/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,686/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,632
−HK$792/mo
▼ 0.25% · 3.875%
HK$13,025
−HK$399/mo
Today · 4.125%
HK$13,424
baseline
▲ 0.50% · 4.625%
HK$14,241
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,848/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,053
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,430
−HK$382/mo
Today · 4.125%
HK$14,812
baseline
▲ 0.50% · 4.625%
HK$15,593
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,624/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,737
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,196
−HK$465/mo
Today · 4.125%
HK$15,661
baseline
▲ 0.50% · 4.625%
HK$16,614
+HK$953/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,322/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,395
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,835
−HK$446/mo
Today · 4.125%
HK$17,281
baseline
▲ 0.50% · 4.625%
HK$18,192
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,562/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,948
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,537
−HK$599/mo
Today · 4.125%
HK$20,136
baseline
▲ 0.50% · 4.625%
HK$21,361
+HK$1,225/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$40,272/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,079
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,645
−HK$573/mo
Today · 4.125%
HK$22,218
baseline
▲ 0.50% · 4.625%
HK$23,389
+HK$1,171/mo
Deposit HK$462K · loan HK$4.15M · min. income ≈ HK$44,436/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,140 · 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).