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$10,568
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,897
−HK$334/mo
Today · 4.125%
HK$11,231
baseline
▲ 0.50% · 4.625%
HK$11,914
+HK$683/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,462/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,757
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,072
−HK$320/mo
Today · 4.125%
HK$12,392
baseline
▲ 0.50% · 4.625%
HK$13,045
+HK$653/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,784/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$80,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,682
−HK$795/mo
▼ 0.25% · 3.875%
HK$13,076
−HK$401/mo
Today · 4.125%
HK$13,477
baseline
▲ 0.50% · 4.625%
HK$14,297
+HK$820/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$26,954/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,108
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,487
−HK$384/mo
Today · 4.125%
HK$14,871
baseline
▲ 0.50% · 4.625%
HK$15,654
+HK$783/mo
Deposit HK$1.85M · loan HK$2.78M · min. income ≈ HK$29,742/mo (50% DSR)
Upfront cash ≈ HK$1.93M (deposit + AVD stamp duty HK$80,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,795
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,256
−HK$467/mo
Today · 4.125%
HK$15,723
baseline
▲ 0.50% · 4.625%
HK$16,680
+HK$957/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$31,446/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,460
−HK$889/mo
▼ 0.25% · 3.875%
HK$16,901
−HK$448/mo
Today · 4.125%
HK$17,349
baseline
▲ 0.50% · 4.625%
HK$18,264
+HK$915/mo
Deposit HK$1.39M · loan HK$3.24M · min. income ≈ HK$34,698/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$80,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,023
−HK$1,193/mo
▼ 0.25% · 3.875%
HK$19,614
−HK$602/mo
Today · 4.125%
HK$20,216
baseline
▲ 0.50% · 4.625%
HK$21,446
+HK$1,230/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$40,432/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,965 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,163
−HK$1,143/mo
▼ 0.25% · 3.875%
HK$21,730
−HK$576/mo
Today · 4.125%
HK$22,306
baseline
▲ 0.50% · 4.625%
HK$23,482
+HK$1,176/mo
Deposit HK$463K · loan HK$4.17M · min. income ≈ HK$44,612/mo (50% DSR)
Upfront cash ≈ HK$544K (deposit + AVD stamp duty HK$80,965 · 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).