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$10,598
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,928
−HK$335/mo
Today · 4.125%
HK$11,263
baseline
▲ 0.50% · 4.625%
HK$11,948
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,526/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,790
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,106
−HK$321/mo
Today · 4.125%
HK$12,427
baseline
▲ 0.50% · 4.625%
HK$13,082
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,854/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,718
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,113
−HK$402/mo
Today · 4.125%
HK$13,515
baseline
▲ 0.50% · 4.625%
HK$14,338
+HK$823/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,030/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,148
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,528
−HK$385/mo
Today · 4.125%
HK$14,913
baseline
▲ 0.50% · 4.625%
HK$15,699
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,826/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,837
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,299
−HK$469/mo
Today · 4.125%
HK$15,768
baseline
▲ 0.50% · 4.625%
HK$16,727
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,536/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,506
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,949
−HK$449/mo
Today · 4.125%
HK$17,398
baseline
▲ 0.50% · 4.625%
HK$18,315
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,796/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,077
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,670
−HK$603/mo
Today · 4.125%
HK$20,273
baseline
▲ 0.50% · 4.625%
HK$21,506
+HK$1,233/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,546/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,276 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,222
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,792
−HK$577/mo
Today · 4.125%
HK$22,369
baseline
▲ 0.50% · 4.625%
HK$23,548
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,738/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,276 · 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).