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$10,577
−HK$663/mo
▼ 0.25% · 3.875%
HK$10,906
−HK$334/mo
Today · 4.125%
HK$11,240
baseline
▲ 0.50% · 4.625%
HK$11,924
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,480/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,767
−HK$635/mo
▼ 0.25% · 3.875%
HK$12,082
−HK$320/mo
Today · 4.125%
HK$12,402
baseline
▲ 0.50% · 4.625%
HK$13,056
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,804/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,692
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,087
−HK$401/mo
Today · 4.125%
HK$13,488
baseline
▲ 0.50% · 4.625%
HK$14,309
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,976/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,120
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,499
−HK$384/mo
Today · 4.125%
HK$14,883
baseline
▲ 0.50% · 4.625%
HK$15,667
+HK$784/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,766/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,808
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,268
−HK$468/mo
Today · 4.125%
HK$15,736
baseline
▲ 0.50% · 4.625%
HK$16,694
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,472/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,473
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,915
−HK$448/mo
Today · 4.125%
HK$17,363
baseline
▲ 0.50% · 4.625%
HK$18,279
+HK$916/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,726/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,038
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,631
−HK$601/mo
Today · 4.125%
HK$20,232
baseline
▲ 0.50% · 4.625%
HK$21,463
+HK$1,231/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$40,464/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,346 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,180
−HK$1,144/mo
▼ 0.25% · 3.875%
HK$21,748
−HK$576/mo
Today · 4.125%
HK$22,324
baseline
▲ 0.50% · 4.625%
HK$23,501
+HK$1,177/mo
Deposit HK$464K · loan HK$4.17M · min. income ≈ HK$44,648/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,346 · 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).