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$10,601
−HK$665/mo
▼ 0.25% · 3.875%
HK$10,931
−HK$335/mo
Today · 4.125%
HK$11,266
baseline
▲ 0.50% · 4.625%
HK$11,951
+HK$685/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$22,532/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,793
−HK$637/mo
▼ 0.25% · 3.875%
HK$12,110
−HK$320/mo
Today · 4.125%
HK$12,430
baseline
▲ 0.50% · 4.625%
HK$13,086
+HK$656/mo
Deposit HK$2.32M · loan HK$2.32M · min. income ≈ HK$24,860/mo (50% DSR)
Upfront cash ≈ HK$2.41M (deposit + AVD stamp duty HK$82,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,721
−HK$798/mo
▼ 0.25% · 3.875%
HK$13,117
−HK$402/mo
Today · 4.125%
HK$13,519
baseline
▲ 0.50% · 4.625%
HK$14,341
+HK$822/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$27,038/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,152
−HK$765/mo
▼ 0.25% · 3.875%
HK$14,532
−HK$385/mo
Today · 4.125%
HK$14,917
baseline
▲ 0.50% · 4.625%
HK$15,703
+HK$786/mo
Deposit HK$1.86M · loan HK$2.79M · min. income ≈ HK$29,834/mo (50% DSR)
Upfront cash ≈ HK$1.94M (deposit + AVD stamp duty HK$82,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,841
−HK$931/mo
▼ 0.25% · 3.875%
HK$15,303
−HK$469/mo
Today · 4.125%
HK$15,772
baseline
▲ 0.50% · 4.625%
HK$16,732
+HK$960/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$31,544/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$16,511
−HK$892/mo
▼ 0.25% · 3.875%
HK$16,953
−HK$450/mo
Today · 4.125%
HK$17,403
baseline
▲ 0.50% · 4.625%
HK$18,320
+HK$917/mo
Deposit HK$1.39M · loan HK$3.25M · min. income ≈ HK$34,806/mo (50% DSR)
Upfront cash ≈ HK$1.48M (deposit + AVD stamp duty HK$82,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,081
−HK$1,197/mo
▼ 0.25% · 3.875%
HK$19,675
−HK$603/mo
Today · 4.125%
HK$20,278
baseline
▲ 0.50% · 4.625%
HK$21,512
+HK$1,234/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$40,556/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,397 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$21,228
−HK$1,147/mo
▼ 0.25% · 3.875%
HK$21,797
−HK$578/mo
Today · 4.125%
HK$22,375
baseline
▲ 0.50% · 4.625%
HK$23,554
+HK$1,179/mo
Deposit HK$465K · loan HK$4.18M · min. income ≈ HK$44,750/mo (50% DSR)
Upfront cash ≈ HK$547K (deposit + AVD stamp duty HK$82,397 · 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).