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$10,578
−HK$664/mo
▼ 0.25% · 3.875%
HK$10,907
−HK$335/mo
Today · 4.125%
HK$11,242
baseline
▲ 0.50% · 4.625%
HK$11,926
+HK$684/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,484/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,768
−HK$636/mo
▼ 0.25% · 3.875%
HK$12,084
−HK$320/mo
Today · 4.125%
HK$12,404
baseline
▲ 0.50% · 4.625%
HK$13,058
+HK$654/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,808/mo (50% DSR)
Upfront cash ≈ HK$2.40M (deposit + AVD stamp duty HK$81,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,694
−HK$796/mo
▼ 0.25% · 3.875%
HK$13,089
−HK$401/mo
Today · 4.125%
HK$13,490
baseline
▲ 0.50% · 4.625%
HK$14,311
+HK$821/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$26,980/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,122
−HK$763/mo
▼ 0.25% · 3.875%
HK$14,501
−HK$384/mo
Today · 4.125%
HK$14,885
baseline
▲ 0.50% · 4.625%
HK$15,670
+HK$785/mo
Deposit HK$1.86M · loan HK$2.78M · min. income ≈ HK$29,770/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$81,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,810
−HK$928/mo
▼ 0.25% · 3.875%
HK$15,270
−HK$468/mo
Today · 4.125%
HK$15,738
baseline
▲ 0.50% · 4.625%
HK$16,696
+HK$958/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,476/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,476
−HK$890/mo
▼ 0.25% · 3.875%
HK$16,918
−HK$448/mo
Today · 4.125%
HK$17,366
baseline
▲ 0.50% · 4.625%
HK$18,281
+HK$915/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,732/mo (50% DSR)
Upfront cash ≈ HK$1.47M (deposit + AVD stamp duty HK$81,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,041
−HK$1,194/mo
▼ 0.25% · 3.875%
HK$19,633
−HK$602/mo
Today · 4.125%
HK$20,235
baseline
▲ 0.50% · 4.625%
HK$21,466
+HK$1,231/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$40,470/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,414 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,183
−HK$1,145/mo
▼ 0.25% · 3.875%
HK$21,751
−HK$577/mo
Today · 4.125%
HK$22,328
baseline
▲ 0.50% · 4.625%
HK$23,504
+HK$1,176/mo
Deposit HK$464K · loan HK$4.18M · min. income ≈ HK$44,656/mo (50% DSR)
Upfront cash ≈ HK$545K (deposit + AVD stamp duty HK$81,414 · 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).