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$10,578
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$334/mo
Today · 4.125%
HK$11,241
baseline
▲ 0.50% · 4.625%
HK$11,925
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,482/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,768
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,083
−HK$321/mo
Today · 4.125%
HK$12,404
baseline
▲ 0.50% · 4.625%
HK$13,057
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,808/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,694
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,088
−HK$402/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,310
+HK$820/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,980/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,121
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,500
−HK$384/mo
Today · 4.125%
HK$14,884
baseline
▲ 0.50% · 4.625%
HK$15,669
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,768/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,809
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$468/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,695
+HK$957/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,475
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,917
−HK$448/mo
Today · 4.125%
HK$17,365
baseline
▲ 0.50% · 4.625%
HK$18,280
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,730/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,040
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,633
−HK$601/mo
Today · 4.125%
HK$20,234
baseline
▲ 0.50% · 4.625%
HK$21,465
+HK$1,231/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,468/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,182
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,750
−HK$577/mo
Today · 4.125%
HK$22,327
baseline
▲ 0.50% · 4.625%
HK$23,503
+HK$1,176/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,654/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,393 · 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).