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$10,612
−HK$666/mo
▼ 0.25% · 3.875%
HK$10,942
−HK$336/mo
Today · 4.125%
HK$11,278
baseline
▲ 0.50% · 4.625%
HK$11,964
+HK$686/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$22,556/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,806
−HK$638/mo
▼ 0.25% · 3.875%
HK$12,123
−HK$321/mo
Today · 4.125%
HK$12,444
baseline
▲ 0.50% · 4.625%
HK$13,100
+HK$656/mo
Deposit HK$2.33M · loan HK$2.33M · min. income ≈ HK$24,888/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,735
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,131
−HK$402/mo
Today · 4.125%
HK$13,533
baseline
▲ 0.50% · 4.625%
HK$14,357
+HK$824/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,066/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,167
−HK$766/mo
▼ 0.25% · 3.875%
HK$14,547
−HK$386/mo
Today · 4.125%
HK$14,933
baseline
▲ 0.50% · 4.625%
HK$15,720
+HK$787/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,866/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,857
−HK$932/mo
▼ 0.25% · 3.875%
HK$15,319
−HK$470/mo
Today · 4.125%
HK$15,789
baseline
▲ 0.50% · 4.625%
HK$16,750
+HK$961/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$31,578/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,528
−HK$893/mo
▼ 0.25% · 3.875%
HK$16,972
−HK$449/mo
Today · 4.125%
HK$17,421
baseline
▲ 0.50% · 4.625%
HK$18,340
+HK$919/mo
Deposit HK$1.40M · loan HK$3.26M · min. income ≈ HK$34,842/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,102
−HK$1,198/mo
▼ 0.25% · 3.875%
HK$19,696
−HK$604/mo
Today · 4.125%
HK$20,300
baseline
▲ 0.50% · 4.625%
HK$21,535
+HK$1,235/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$40,600/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,898 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,251
−HK$1,148/mo
▼ 0.25% · 3.875%
HK$21,821
−HK$578/mo
Today · 4.125%
HK$22,399
baseline
▲ 0.50% · 4.625%
HK$23,580
+HK$1,181/mo
Deposit HK$465K · loan HK$4.19M · min. income ≈ HK$44,798/mo (50% DSR)
Upfront cash ≈ HK$548K (deposit + AVD stamp duty HK$82,898 · 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).