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$10,485
−HK$657/mo
▼ 0.25% · 3.875%
HK$10,811
−HK$331/mo
Today · 4.125%
HK$11,142
baseline
▲ 0.50% · 4.625%
HK$11,820
+HK$678/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,284/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,664
−HK$630/mo
▼ 0.25% · 3.875%
HK$11,977
−HK$317/mo
Today · 4.125%
HK$12,294
baseline
▲ 0.50% · 4.625%
HK$12,942
+HK$648/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,588/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$77,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,581
−HK$789/mo
▼ 0.25% · 3.875%
HK$12,973
−HK$397/mo
Today · 4.125%
HK$13,370
baseline
▲ 0.50% · 4.625%
HK$14,184
+HK$814/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,740/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,997
−HK$756/mo
▼ 0.25% · 3.875%
HK$14,372
−HK$381/mo
Today · 4.125%
HK$14,753
baseline
▲ 0.50% · 4.625%
HK$15,531
+HK$778/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,506/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$77,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,678
−HK$921/mo
▼ 0.25% · 3.875%
HK$15,135
−HK$464/mo
Today · 4.125%
HK$15,599
baseline
▲ 0.50% · 4.625%
HK$16,548
+HK$949/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,198/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,329
−HK$883/mo
▼ 0.25% · 3.875%
HK$16,767
−HK$445/mo
Today · 4.125%
HK$17,212
baseline
▲ 0.50% · 4.625%
HK$18,119
+HK$907/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,424/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$77,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,872
−HK$1,184/mo
▼ 0.25% · 3.875%
HK$19,459
−HK$597/mo
Today · 4.125%
HK$20,056
baseline
▲ 0.50% · 4.625%
HK$21,276
+HK$1,220/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$40,112/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,296 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,995
−HK$1,134/mo
▼ 0.25% · 3.875%
HK$21,558
−HK$571/mo
Today · 4.125%
HK$22,129
baseline
▲ 0.50% · 4.625%
HK$23,296
+HK$1,167/mo
Deposit HK$460K · loan HK$4.14M · min. income ≈ HK$44,258/mo (50% DSR)
Upfront cash ≈ HK$537K (deposit + AVD stamp duty HK$77,296 · 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).