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$10,444
−HK$655/mo
▼ 0.25% · 3.875%
HK$10,769
−HK$330/mo
Today · 4.125%
HK$11,099
baseline
▲ 0.50% · 4.625%
HK$11,775
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,198/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,619
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,931
−HK$316/mo
Today · 4.125%
HK$12,247
baseline
▲ 0.50% · 4.625%
HK$12,893
+HK$646/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,494/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$75,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,533
−HK$786/mo
▼ 0.25% · 3.875%
HK$12,923
−HK$396/mo
Today · 4.125%
HK$13,319
baseline
▲ 0.50% · 4.625%
HK$14,130
+HK$811/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$26,638/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,943
−HK$753/mo
▼ 0.25% · 3.875%
HK$14,317
−HK$379/mo
Today · 4.125%
HK$14,696
baseline
▲ 0.50% · 4.625%
HK$15,471
+HK$775/mo
Deposit HK$1.83M · loan HK$2.75M · min. income ≈ HK$29,392/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$75,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,622
−HK$917/mo
▼ 0.25% · 3.875%
HK$15,077
−HK$462/mo
Today · 4.125%
HK$15,539
baseline
▲ 0.50% · 4.625%
HK$16,485
+HK$946/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$31,078/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,267
−HK$879/mo
▼ 0.25% · 3.875%
HK$16,703
−HK$443/mo
Today · 4.125%
HK$17,146
baseline
▲ 0.50% · 4.625%
HK$18,050
+HK$904/mo
Deposit HK$1.37M · loan HK$3.21M · min. income ≈ HK$34,292/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$75,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,800
−HK$1,179/mo
▼ 0.25% · 3.875%
HK$19,385
−HK$594/mo
Today · 4.125%
HK$19,979
baseline
▲ 0.50% · 4.625%
HK$21,195
+HK$1,216/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$39,958/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,537 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,915
−HK$1,130/mo
▼ 0.25% · 3.875%
HK$21,476
−HK$569/mo
Today · 4.125%
HK$22,045
baseline
▲ 0.50% · 4.625%
HK$23,207
+HK$1,162/mo
Deposit HK$458K · loan HK$4.12M · min. income ≈ HK$44,090/mo (50% DSR)
Upfront cash ≈ HK$534K (deposit + AVD stamp duty HK$75,537 · 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).