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$10,504
−HK$659/mo
▼ 0.25% · 3.875%
HK$10,831
−HK$332/mo
Today · 4.125%
HK$11,163
baseline
▲ 0.50% · 4.625%
HK$11,842
+HK$679/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$22,326/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,686
−HK$631/mo
▼ 0.25% · 3.875%
HK$11,999
−HK$318/mo
Today · 4.125%
HK$12,317
baseline
▲ 0.50% · 4.625%
HK$12,966
+HK$649/mo
Deposit HK$2.30M · loan HK$2.30M · min. income ≈ HK$24,634/mo (50% DSR)
Upfront cash ≈ HK$2.38M (deposit + AVD stamp duty HK$78,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,605
−HK$790/mo
▼ 0.25% · 3.875%
HK$12,997
−HK$398/mo
Today · 4.125%
HK$13,395
baseline
▲ 0.50% · 4.625%
HK$14,210
+HK$815/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$26,790/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,023
−HK$757/mo
▼ 0.25% · 3.875%
HK$14,399
−HK$381/mo
Today · 4.125%
HK$14,780
baseline
▲ 0.50% · 4.625%
HK$15,559
+HK$779/mo
Deposit HK$1.84M · loan HK$2.76M · min. income ≈ HK$29,560/mo (50% DSR)
Upfront cash ≈ HK$1.92M (deposit + AVD stamp duty HK$78,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,706
−HK$922/mo
▼ 0.25% · 3.875%
HK$15,163
−HK$465/mo
Today · 4.125%
HK$15,628
baseline
▲ 0.50% · 4.625%
HK$16,579
+HK$951/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$31,256/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,360
−HK$884/mo
▼ 0.25% · 3.875%
HK$16,799
−HK$445/mo
Today · 4.125%
HK$17,244
baseline
▲ 0.50% · 4.625%
HK$18,153
+HK$909/mo
Deposit HK$1.38M · loan HK$3.22M · min. income ≈ HK$34,488/mo (50% DSR)
Upfront cash ≈ HK$1.46M (deposit + AVD stamp duty HK$78,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,907
−HK$1,186/mo
▼ 0.25% · 3.875%
HK$19,495
−HK$598/mo
Today · 4.125%
HK$20,093
baseline
▲ 0.50% · 4.625%
HK$21,316
+HK$1,223/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$40,186/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,152 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,034
−HK$1,137/mo
▼ 0.25% · 3.875%
HK$21,598
−HK$573/mo
Today · 4.125%
HK$22,171
baseline
▲ 0.50% · 4.625%
HK$23,339
+HK$1,168/mo
Deposit HK$461K · loan HK$4.15M · min. income ≈ HK$44,342/mo (50% DSR)
Upfront cash ≈ HK$539K (deposit + AVD stamp duty HK$78,152 · 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).