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$10,520
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,847
−HK$332/mo
Today · 4.125%
HK$11,179
baseline
▲ 0.50% · 4.625%
HK$11,860
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,358/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,703
−HK$632/mo
▼ 0.25% · 3.875%
HK$12,017
−HK$318/mo
Today · 4.125%
HK$12,335
baseline
▲ 0.50% · 4.625%
HK$12,985
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,670/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$78,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,624
−HK$791/mo
▼ 0.25% · 3.875%
HK$13,016
−HK$399/mo
Today · 4.125%
HK$13,415
baseline
▲ 0.50% · 4.625%
HK$14,231
+HK$816/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,830/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,044
−HK$758/mo
▼ 0.25% · 3.875%
HK$14,420
−HK$382/mo
Today · 4.125%
HK$14,802
baseline
▲ 0.50% · 4.625%
HK$15,583
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,604/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,727
−HK$924/mo
▼ 0.25% · 3.875%
HK$15,186
−HK$465/mo
Today · 4.125%
HK$15,651
baseline
▲ 0.50% · 4.625%
HK$16,603
+HK$952/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$31,302/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,384
−HK$885/mo
▼ 0.25% · 3.875%
HK$16,824
−HK$445/mo
Today · 4.125%
HK$17,269
baseline
▲ 0.50% · 4.625%
HK$18,180
+HK$911/mo
Deposit HK$1.38M · loan HK$3.23M · min. income ≈ HK$34,538/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,935
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,524
−HK$599/mo
Today · 4.125%
HK$20,123
baseline
▲ 0.50% · 4.625%
HK$21,347
+HK$1,224/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,246/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,065
−HK$1,138/mo
▼ 0.25% · 3.875%
HK$21,630
−HK$573/mo
Today · 4.125%
HK$22,203
baseline
▲ 0.50% · 4.625%
HK$23,374
+HK$1,171/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,406/mo (50% DSR)
Upfront cash ≈ HK$540K (deposit + AVD stamp duty HK$78,835 · 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).