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$10,663
−HK$668/mo
▼ 0.25% · 3.875%
HK$10,994
−HK$337/mo
Today · 4.125%
HK$11,331
baseline
▲ 0.50% · 4.625%
HK$12,021
+HK$690/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$22,662/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,862
−HK$641/mo
▼ 0.25% · 3.875%
HK$12,180
−HK$323/mo
Today · 4.125%
HK$12,503
baseline
▲ 0.50% · 4.625%
HK$13,162
+HK$659/mo
Deposit HK$2.34M · loan HK$2.34M · min. income ≈ HK$25,006/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$85,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,795
−HK$803/mo
▼ 0.25% · 3.875%
HK$13,193
−HK$405/mo
Today · 4.125%
HK$13,598
baseline
▲ 0.50% · 4.625%
HK$14,425
+HK$827/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$27,196/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,234
−HK$770/mo
▼ 0.25% · 3.875%
HK$14,616
−HK$388/mo
Today · 4.125%
HK$15,004
baseline
▲ 0.50% · 4.625%
HK$15,794
+HK$790/mo
Deposit HK$1.87M · loan HK$2.81M · min. income ≈ HK$30,008/mo (50% DSR)
Upfront cash ≈ HK$1.96M (deposit + AVD stamp duty HK$85,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,928
−HK$936/mo
▼ 0.25% · 3.875%
HK$15,392
−HK$472/mo
Today · 4.125%
HK$15,864
baseline
▲ 0.50% · 4.625%
HK$16,829
+HK$965/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$31,728/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,607
−HK$897/mo
▼ 0.25% · 3.875%
HK$17,052
−HK$452/mo
Today · 4.125%
HK$17,504
baseline
▲ 0.50% · 4.625%
HK$18,427
+HK$923/mo
Deposit HK$1.40M · loan HK$3.27M · min. income ≈ HK$35,008/mo (50% DSR)
Upfront cash ≈ HK$1.49M (deposit + AVD stamp duty HK$85,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,193
−HK$1,203/mo
▼ 0.25% · 3.875%
HK$19,790
−HK$606/mo
Today · 4.125%
HK$20,396
baseline
▲ 0.50% · 4.625%
HK$21,637
+HK$1,241/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$40,792/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,352
−HK$1,153/mo
▼ 0.25% · 3.875%
HK$21,924
−HK$581/mo
Today · 4.125%
HK$22,505
baseline
▲ 0.50% · 4.625%
HK$23,692
+HK$1,187/mo
Deposit HK$468K · loan HK$4.21M · min. income ≈ HK$45,010/mo (50% DSR)
Upfront cash ≈ HK$553K (deposit + AVD stamp duty HK$85,107 · 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).