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$10,500
−HK$658/mo
▼ 0.25% · 3.875%
HK$10,827
−HK$331/mo
Today · 4.125%
HK$11,158
baseline
▲ 0.50% · 4.625%
HK$11,837
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,316/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,681
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,994
−HK$318/mo
Today · 4.125%
HK$12,312
baseline
▲ 0.50% · 4.625%
HK$12,961
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,624/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,600
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,992
−HK$398/mo
Today · 4.125%
HK$13,390
baseline
▲ 0.50% · 4.625%
HK$14,205
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,780/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,017
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,393
−HK$382/mo
Today · 4.125%
HK$14,775
baseline
▲ 0.50% · 4.625%
HK$15,554
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,550/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,700
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,157
−HK$465/mo
Today · 4.125%
HK$15,622
baseline
▲ 0.50% · 4.625%
HK$16,572
+HK$950/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,244/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,354
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,792
−HK$445/mo
Today · 4.125%
HK$17,237
baseline
▲ 0.50% · 4.625%
HK$18,146
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,474/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,900
−HK$1,185/mo
▼ 0.25% · 3.875%
HK$19,488
−HK$597/mo
Today · 4.125%
HK$20,085
baseline
▲ 0.50% · 4.625%
HK$21,307
+HK$1,222/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,170/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,026
−HK$1,136/mo
▼ 0.25% · 3.875%
HK$21,590
−HK$572/mo
Today · 4.125%
HK$22,162
baseline
▲ 0.50% · 4.625%
HK$23,330
+HK$1,168/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,324/mo (50% DSR)
Upfront cash ≈ HK$538K (deposit + AVD stamp duty HK$77,977 · 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).