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$10,477
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,803
−HK$331/mo
Today · 4.125%
HK$11,134
baseline
▲ 0.50% · 4.625%
HK$11,812
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,268/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,656
−HK$629/mo
▼ 0.25% · 3.875%
HK$11,968
−HK$317/mo
Today · 4.125%
HK$12,285
baseline
▲ 0.50% · 4.625%
HK$12,933
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,570/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,573
−HK$788/mo
▼ 0.25% · 3.875%
HK$12,964
−HK$397/mo
Today · 4.125%
HK$13,361
baseline
▲ 0.50% · 4.625%
HK$14,174
+HK$813/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,722/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,987
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,362
−HK$380/mo
Today · 4.125%
HK$14,742
baseline
▲ 0.50% · 4.625%
HK$15,520
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,484/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,668
−HK$920/mo
▼ 0.25% · 3.875%
HK$15,124
−HK$464/mo
Today · 4.125%
HK$15,588
baseline
▲ 0.50% · 4.625%
HK$16,536
+HK$948/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,176/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,318
−HK$882/mo
▼ 0.25% · 3.875%
HK$16,756
−HK$444/mo
Today · 4.125%
HK$17,200
baseline
▲ 0.50% · 4.625%
HK$18,106
+HK$906/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,400/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$76,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,859
−HK$1,182/mo
▼ 0.25% · 3.875%
HK$19,445
−HK$596/mo
Today · 4.125%
HK$20,041
baseline
▲ 0.50% · 4.625%
HK$21,261
+HK$1,220/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$40,082/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,972 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,980
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,543
−HK$571/mo
Today · 4.125%
HK$22,114
baseline
▲ 0.50% · 4.625%
HK$23,279
+HK$1,165/mo
Deposit HK$459K · loan HK$4.14M · min. income ≈ HK$44,228/mo (50% DSR)
Upfront cash ≈ HK$536K (deposit + AVD stamp duty HK$76,972 · 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).