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$10,587
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,916
−HK$335/mo
Today · 4.125%
HK$11,251
baseline
▲ 0.50% · 4.625%
HK$11,936
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,502/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,778
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,094
−HK$320/mo
Today · 4.125%
HK$12,414
baseline
▲ 0.50% · 4.625%
HK$13,069
+HK$655/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,828/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,705
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,100
−HK$401/mo
Today · 4.125%
HK$13,501
baseline
▲ 0.50% · 4.625%
HK$14,323
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,002/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,134
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,513
−HK$384/mo
Today · 4.125%
HK$14,897
baseline
▲ 0.50% · 4.625%
HK$15,683
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,794/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,822
−HK$929/mo
▼ 0.25% · 3.875%
HK$15,283
−HK$468/mo
Today · 4.125%
HK$15,751
baseline
▲ 0.50% · 4.625%
HK$16,710
+HK$959/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,502/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,489
−HK$891/mo
▼ 0.25% · 3.875%
HK$16,932
−HK$448/mo
Today · 4.125%
HK$17,380
baseline
▲ 0.50% · 4.625%
HK$18,296
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,760/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,057
−HK$1,195/mo
▼ 0.25% · 3.875%
HK$19,650
−HK$602/mo
Today · 4.125%
HK$20,252
baseline
▲ 0.50% · 4.625%
HK$21,484
+HK$1,232/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,504/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,795 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,201
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,769
−HK$577/mo
Today · 4.125%
HK$22,346
baseline
▲ 0.50% · 4.625%
HK$23,524
+HK$1,178/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,692/mo (50% DSR)
Upfront cash ≈ HK$546K (deposit + AVD stamp duty HK$81,795 · 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).