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$10,461
−HK$656/mo
▼ 0.25% · 3.875%
HK$10,786
−HK$331/mo
Today · 4.125%
HK$11,117
baseline
▲ 0.50% · 4.625%
HK$11,793
+HK$676/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$22,234/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,638
−HK$628/mo
▼ 0.25% · 3.875%
HK$11,950
−HK$316/mo
Today · 4.125%
HK$12,266
baseline
▲ 0.50% · 4.625%
HK$12,913
+HK$647/mo
Deposit HK$2.29M · loan HK$2.29M · min. income ≈ HK$24,532/mo (50% DSR)
Upfront cash ≈ HK$2.37M (deposit + AVD stamp duty HK$76,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,553
−HK$787/mo
▼ 0.25% · 3.875%
HK$12,943
−HK$397/mo
Today · 4.125%
HK$13,340
baseline
▲ 0.50% · 4.625%
HK$14,152
+HK$812/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$26,680/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,965
−HK$755/mo
▼ 0.25% · 3.875%
HK$14,340
−HK$380/mo
Today · 4.125%
HK$14,720
baseline
▲ 0.50% · 4.625%
HK$15,495
+HK$775/mo
Deposit HK$1.84M · loan HK$2.75M · min. income ≈ HK$29,440/mo (50% DSR)
Upfront cash ≈ HK$1.91M (deposit + AVD stamp duty HK$76,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,645
−HK$919/mo
▼ 0.25% · 3.875%
HK$15,101
−HK$463/mo
Today · 4.125%
HK$15,564
baseline
▲ 0.50% · 4.625%
HK$16,511
+HK$947/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$31,128/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,293
−HK$880/mo
▼ 0.25% · 3.875%
HK$16,730
−HK$443/mo
Today · 4.125%
HK$17,173
baseline
▲ 0.50% · 4.625%
HK$18,078
+HK$905/mo
Deposit HK$1.38M · loan HK$3.21M · min. income ≈ HK$34,346/mo (50% DSR)
Upfront cash ≈ HK$1.45M (deposit + AVD stamp duty HK$76,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,829
−HK$1,181/mo
▼ 0.25% · 3.875%
HK$19,415
−HK$595/mo
Today · 4.125%
HK$20,010
baseline
▲ 0.50% · 4.625%
HK$21,228
+HK$1,218/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$40,020/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,257 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,948
−HK$1,131/mo
▼ 0.25% · 3.875%
HK$21,509
−HK$570/mo
Today · 4.125%
HK$22,079
baseline
▲ 0.50% · 4.625%
HK$23,243
+HK$1,164/mo
Deposit HK$459K · loan HK$4.13M · min. income ≈ HK$44,158/mo (50% DSR)
Upfront cash ≈ HK$535K (deposit + AVD stamp duty HK$76,257 · 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).