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$10,596
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,925
−HK$335/mo
Today · 4.125%
HK$11,260
baseline
▲ 0.50% · 4.625%
HK$11,945
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,520/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,788
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,104
−HK$320/mo
Today · 4.125%
HK$12,424
baseline
▲ 0.50% · 4.625%
HK$13,079
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,848/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,715
−HK$797/mo
▼ 0.25% · 3.875%
HK$13,110
−HK$402/mo
Today · 4.125%
HK$13,512
baseline
▲ 0.50% · 4.625%
HK$14,334
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,024/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,145
−HK$764/mo
▼ 0.25% · 3.875%
HK$14,525
−HK$384/mo
Today · 4.125%
HK$14,909
baseline
▲ 0.50% · 4.625%
HK$15,695
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,818/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,834
−HK$930/mo
▼ 0.25% · 3.875%
HK$15,295
−HK$469/mo
Today · 4.125%
HK$15,764
baseline
▲ 0.50% · 4.625%
HK$16,723
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,528/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,503
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,945
−HK$449/mo
Today · 4.125%
HK$17,394
baseline
▲ 0.50% · 4.625%
HK$18,311
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,788/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,072
−HK$1,196/mo
▼ 0.25% · 3.875%
HK$19,666
−HK$602/mo
Today · 4.125%
HK$20,268
baseline
▲ 0.50% · 4.625%
HK$21,502
+HK$1,234/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,536/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,218
−HK$1,146/mo
▼ 0.25% · 3.875%
HK$21,787
−HK$577/mo
Today · 4.125%
HK$22,364
baseline
▲ 0.50% · 4.625%
HK$23,543
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,728/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,172 · 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).