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$10,531
−HK$660/mo
▼ 0.25% · 3.875%
HK$10,859
−HK$332/mo
Today · 4.125%
HK$11,191
baseline
▲ 0.50% · 4.625%
HK$11,872
+HK$681/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$22,382/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,716
−HK$633/mo
▼ 0.25% · 3.875%
HK$12,030
−HK$319/mo
Today · 4.125%
HK$12,349
baseline
▲ 0.50% · 4.625%
HK$12,999
+HK$650/mo
Deposit HK$2.31M · loan HK$2.31M · min. income ≈ HK$24,698/mo (50% DSR)
Upfront cash ≈ HK$2.39M (deposit + AVD stamp duty HK$79,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,637
−HK$793/mo
▼ 0.25% · 3.875%
HK$13,030
−HK$400/mo
Today · 4.125%
HK$13,430
baseline
▲ 0.50% · 4.625%
HK$14,247
+HK$817/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$26,860/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,059
−HK$759/mo
▼ 0.25% · 3.875%
HK$14,436
−HK$382/mo
Today · 4.125%
HK$14,818
baseline
▲ 0.50% · 4.625%
HK$15,599
+HK$781/mo
Deposit HK$1.85M · loan HK$2.77M · min. income ≈ HK$29,636/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$79,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,743
−HK$925/mo
▼ 0.25% · 3.875%
HK$15,202
−HK$466/mo
Today · 4.125%
HK$15,668
baseline
▲ 0.50% · 4.625%
HK$16,621
+HK$953/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$31,336/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,402
−HK$886/mo
▼ 0.25% · 3.875%
HK$16,842
−HK$446/mo
Today · 4.125%
HK$17,288
baseline
▲ 0.50% · 4.625%
HK$18,199
+HK$911/mo
Deposit HK$1.39M · loan HK$3.23M · min. income ≈ HK$34,576/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$79,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,956
−HK$1,188/mo
▼ 0.25% · 3.875%
HK$19,545
−HK$599/mo
Today · 4.125%
HK$20,144
baseline
▲ 0.50% · 4.625%
HK$21,370
+HK$1,226/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$40,288/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,088
−HK$1,139/mo
▼ 0.25% · 3.875%
HK$21,654
−HK$573/mo
Today · 4.125%
HK$22,227
baseline
▲ 0.50% · 4.625%
HK$23,399
+HK$1,172/mo
Deposit HK$462K · loan HK$4.16M · min. income ≈ HK$44,454/mo (50% DSR)
Upfront cash ≈ HK$541K (deposit + AVD stamp duty HK$79,333 · 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).