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$10,655
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,986
−HK$337/mo
Today · 4.125%
HK$11,323
baseline
▲ 0.50% · 4.625%
HK$12,012
+HK$689/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,646/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,853
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,171
−HK$323/mo
Today · 4.125%
HK$12,494
baseline
▲ 0.50% · 4.625%
HK$13,152
+HK$658/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$24,988/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$84,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,786
−HK$802/mo
▼ 0.25% · 3.875%
HK$13,184
−HK$404/mo
Today · 4.125%
HK$13,588
baseline
▲ 0.50% · 4.625%
HK$14,414
+HK$826/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$27,176/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,224
−HK$769/mo
▼ 0.25% · 3.875%
HK$14,606
−HK$387/mo
Today · 4.125%
HK$14,993
baseline
▲ 0.50% · 4.625%
HK$15,783
+HK$790/mo
Deposit HK$1.87M · loan HK$2.80M · min. income ≈ HK$29,986/mo (50% DSR)
Upfront cash ≈ HK$1.95M (deposit + AVD stamp duty HK$84,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,917
−HK$935/mo
▼ 0.25% · 3.875%
HK$15,381
−HK$471/mo
Today · 4.125%
HK$15,852
baseline
▲ 0.50% · 4.625%
HK$16,817
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,704/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,595
−HK$896/mo
▼ 0.25% · 3.875%
HK$17,040
−HK$451/mo
Today · 4.125%
HK$17,491
baseline
▲ 0.50% · 4.625%
HK$18,413
+HK$922/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$34,982/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$84,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,179
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,775
−HK$607/mo
Today · 4.125%
HK$20,382
baseline
▲ 0.50% · 4.625%
HK$21,622
+HK$1,240/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$40,764/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,768 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,336
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,908
−HK$581/mo
Today · 4.125%
HK$22,489
baseline
▲ 0.50% · 4.625%
HK$23,674
+HK$1,185/mo
Deposit HK$467K · loan HK$4.21M · min. income ≈ HK$44,978/mo (50% DSR)
Upfront cash ≈ HK$552K (deposit + AVD stamp duty HK$84,768 · 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).